Welcome to a home where comfort, character, and smart living come together effortlessly. From the moment you arrive, you’ll feel it—this home has been thoughtfully upgraded, meticulously maintained, and designed for both comfort and efficiency. Every detail reflects pride of ownership and intentional living. Step inside and you’re immediately welcomed by natural light, beautiful laminate flooring, and a warm, inviting living space centered around a striking stone accent wall and decorative electric fireplace. Crown molding, a pleasing color palette, and curated designer touches throughout give the home a stylish, cohesive feel. The kitchen is both functional and beautiful, featuring granite countertops, stainless steel Kenmore appliances, a glass tile backsplash, and snack bar seating. Filled with natural light, it flows seamlessly into the dining room, living room, and Florida room—creating an ideal layout for entertaining or everyday living. The home offers 3 bedrooms, 2 baths, a separate dining room, and a versatile Florida room, providing flexibility for today’s lifestyle. The primary suite is a true retreat, highlighted by a generously sized walk-in closet rarely found at this price point, along with tasteful upgrades that enhance both comfort and style. Step outside and discover your own private outdoor sanctuary. The backyard is beautifully designed with a covered seating area, gazebo, and lush landscaping—perfect for quiet mornings, evening gatherings, or simply unwinding in a peaceful setting. An expanded driveway, two-car carport, garden shed, and large workshop add both functionality and convenience. Major improvements provide confidence and long-term value, including a new septic system (2024), new HVAC system (2024), hot water tank (2020), Kinetco water conditioner and an additional mini-split for enhanced comfort and efficiency. This home also features a solar energy system (leased with easy buyer qualification and transfer)—offering a more predictable approach to energy costs without the upfront investment of installation. For added peace of mind, enjoy a fully owned, state-of-the-art security system with cameras and smartphone control, allowing you to monitor and manage your home from anywhere. Ideally located near shopping, dining, and with convenient access to I-275, this home offers the perfect balance of accessibility and privacy. Homes like this—where upgrades, efficiency, and lifestyle come together so seamlessly—are rare. Don’t miss your opportunity to make it yours.
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.
