Luxury Low-Maintenance Living! You will BE IMPRESSED by this impeccable, upscale, 2-story end-unit townhome in the desirable Glidden Greens Subdivision offering sophisticated style, quality craftsmanship, and an exceptional location at the edge of town providing both privacy and convenience with easy access to interstate access, shopping, restaurants, parks, and golf course. The heart of the home is the gorgeous custom kitchen, completely remodeled in 2025 and re-designed with both beauty and functionality in mind. Features include custom cabinetry with soft-close doors and drawers, pull-out shelving, under-cabinet lighting, granite countertops, a large center island, and high-end GE Profile stainless steel appliances that are approximately one year new! The spacious living and dining areas showcase hardwood flooring, natural light, and a striking stone fireplace, creating a warm and inviting atmosphere for everyday living and entertaining. You'll feel absolutely spoiled with the added feature of Brand New remote-controlled blinds in the living room, dining room, and primary bedroom. Upstairs, the luxurious Primary Suite boasts rich hardwood flooring and has been updated with an elegant new Primary Bath completed in 2025 featuring a custom glass-enclosed shower, double-sink vanity with center tower, soft-close cabinetry, and under-cabinet lighting. Two additional bedrooms and an unexpected loft provide flexible living space, while a slider door from the loft opens to a serene balcony. Additional highlights include a full unfinished English basement ready for your future finishing ideas (already plumbed for a bath), a newer deck installed in 2023, and a 2-car attached garage with new garage door opener (2026). Notable IMPORTANT updates include Anderson windows and sliding doors (2024), custom kitchen renovation (2025), primary bath renovation (2025), TWO water heaters (2023), deck (2023), furnace (2018), water softener, and professionally finished epoxy-coated front porch and garage floor by Integrity Concrete. This exceptional end-unit townhome combines thoughtful updates, generous living space, and a highly sought-after location, making it an outstanding opportunity and PERFECT for today's busy lifestyle while providing comfort AND convenience! (Currently the real estate taxes are $0 due to Seller's VA benefit.)
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.
