Discover an exceptional blend of luxury, sustainability, and recreation in the heart of Clarksville. This stunning Trinity home offers over 5,000 square feet of finished living space and is thoughtfully designed for modern, eco-conscious living, featuring 69 owned solar panels, geothermal heating and cooling, and impressively low energy costs. A picturesque, wildflower-lined driveway welcomes you, setting the tone for what awaits inside. Step into a grand foyer that opens to a light-filled, open-concept layout. The dramatic two-story great room showcases a striking stone fireplace, cozy window seats, and a built-in entertainment center with Bose surround sound—perfect for both relaxing and entertaining. Mortgage savings may be available for buyers of this listing. The chef’s kitchen is a true centerpiece, featuring granite countertops, stainless steel appliances, a gas cooktop island, wall oven, warming drawer, built-in microwave, and a charming greenhouse window over the double sink. Glass-front cabinetry, decorative shelving, and a spacious corner pantry add both style and function. A dedicated main-level office provides the ideal work-from-home space. Upstairs, you’ll find four generously sized bedrooms and three full baths, including a luxurious primary suite retreat. This private haven features a fireplace, beverage station with sink and fridge, dual customized California Closets, and a private balcony with spiral staircase access to the patio. The spa-inspired en-suite bath offers a clawfoot tub, steam-capable shower, mini fireplace, bidet, towel warmer, and a separate water closet. The fully finished lower level is perfectly suited for multigenerational living or guests, offering an au pair/in-law suite complete with a full kitchen, laundry, bedroom with walk-in closet, two bathrooms (including a luxe en-suite), and a spacious flex room ideal for a gym, office, or media space. Step outside to your own private resort. The expansive patio features a tranquil pond, waterfall, and retractable awning—perfect for outdoor entertaining. Sports enthusiasts will love the full-size, regulation pickleball court, while the grounds also include a young orchard with a variety of fruit trees. Additional highlights include a brand-new roof, a 2-car garage prewired for EV charging, natural gas cooking and fireplaces, and a backup hand pump for well water. Ideally located with convenient access to major routes including Interstate 95, Maryland Route 295, and the ICC, commuting is a breeze. Enjoy proximity to Baltimore/Washington International Thurgood Marshall Airport, Ronald Reagan Washington National Airport, and Washington Dulles International Airport, as well as easy access to top-rated schools, parks, and local amenities. This one-of-a-kind property offers the perfect balance of comfort, innovation, and lifestyle. Schedule your private tour today and experience everything this extraordinary Clarksville home has to offer.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
