Welcome to your own private slice of paradise in the heart of Hawkstone! This isn’t just another house on the market; it’s a meticulously curated sanctuary where over $250,000 in high-end upgrades have transformed a beautiful floor plan into an absolute showstopper. From the moment you step through the front door, the 12-foot foyer ceilings and elegant shiplap accents set a tone of sophisticated warmth. You’ll immediately notice the flow of gorgeous engineered hardwood floors ($25k) that stretch across the home, complemented by soaring 9’4” ceilings and stately 8-foot doors. It’s a space that feels both grand and incredibly cozy. If you love to host, this home was built for you. Imagine mixing drinks at your professional-grade bar before heading into a kitchen that would make any chef swoon. With quartz countertops, a classic farmhouse sink, under-cabinet lighting, and soft-close cabinetry, it’s as functional as it is beautiful. But the real "wow" factor waits just outside. Slide open the doors to your backyard oasis, featuring a stunning SALT WATER PEBBLETECH POOL. Whether it’s a chilly evening or a mid-summer afternoon, the gas heater ensures the water is always perfect. Catch the big game on your 65” outdoor TV while relaxing by the electric fireplac - the ultimate setup for Sunday football or quiet starlit dinners. Features You’ll Fall in Love With: Energy Independence: Fully paid-off SOLAR PANELS mean you can keep the AC humming without the stress of high utility bills. The Master Retreat: Featuring a professional custom closet system that makes staying organized feel like a luxury experience. Peace of Mind: A child safety fence for the pool is already in place, ensuring the little ones stay safe. Tesla charging station and whole house water softener already set up in the garage. The Hawkstone Lifestyle: You’re not just buying a home; you’re joining a community with resort-style amenities, top-rated schools, and the Triple Creek Nature Preserve just minutes away for your weekend adventures. This is the kind of home where every detail has been thought of so you don’t have to. It’s modern, it’s efficient, and it’s ready for you to start making memories. Come see for yourself why this Hawkstone gem is truly one of a kind!
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.
