Welcome to Copper Creek, where spacious living and thoughtful design come together in one of LaGrange's established communities. This well-maintained home offers a functional layout with multiple gathering spaces, quality finishes, and a backyard designed for both relaxation and entertaining. As you enter the home, you're welcomed by a formal dining room with tray ceilings and a flexible living space that flows into the main family room. The open-concept design connects the family room, kitchen, and breakfast area, creating an ideal setup for hosting guests or everyday living. The kitchen features granite countertops, cream-colored cabinetry, a center island, gas range, vent hood, refrigerator, dishwasher, pantry, and a convenient prep sink. Just off the living area is a screened porch overlooking the backyard, providing an additional space to enjoy throughout the year. The owner's suite is privately situated on the main level and features tray ceilings, wood flooring, two walk-in closet entrances, double vanities, a soaking garden tub, and a separate shower. Two additional bedrooms are located on the opposite side of the home and share a full bathroom with a tub and shower combination. A half bath near the kitchen provides convenience for guests. Outside, you'll find a large, level backyard with plenty of green space to enjoy. The screened porch, front porch, and rear stair access have all been updated with durable vinyl finishes, while the landscaped front yard, rock beds, and lighting add to the home's curb appeal. Additional Features: * Located in Copper Creek Subdivision * Open-concept living and entertaining areas * Granite countertops and kitchen island * Butler's pantry with prep sink * Screened porch overlooking backyard * Wood flooring in living areas, dining room, kitchen, hallways, and primary bedroom * Tray ceilings in dining room and owner's suite * Two walk-in closets in owner's suite * Two-car garage with extended driveway * Sink and storage cabinets in garage * Irrigation system * Security system * Gutters surrounding the home * Landscaped yard with rock beds and accent lighting * Large, level backyard * Convenient location near shopping, dining, and everyday amenities
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.
