**WELCOME HOME!** This is the one you've been waiting for—a truly one-of-a-kind designer renovation where no detail has been overlooked. Completely reimagined from top to bottom, this stunning home offers the style, quality, and craftsmanship typically found in new construction while maintaining the charm of an established neighborhood. Step inside to an open-concept floor plan filled with natural light, beautifully refinished hardwood floors, fresh drywall and paint throughout, and a custom-designed layout that creates effortless flow for everyday living and entertaining. The show-stopping Signature fireplace serves as the centerpiece of the living space, creating warmth and elegance from the moment you enter. The spectacular gourmet kitchen is truly the heart of the home, featuring custom cabinetry, gorgeous countertops, premium stainless steel appliances including a high-end gas range with built-in air fryer, over-the-range microwave, designer dishwasher, and a French-door refrigerator with ice maker and water dispenser. A custom coffee bar adds both style and function, making every morning feel like a visit to your favorite café. The luxurious bathrooms have been thoughtfully designed with upscale finishes, beautiful tile work, heated tile floors, custom vanities, and spa-inspired details. Enjoy the oversized walk-in shower in one bath and a beautifully appointed tub/shower combination in the other. Every bedroom offers custom closet organization systems, maximizing storage with a layout unlike anything you'll find in comparable homes. Beyond the beauty, enjoy peace of mind knowing many of the home's major systems have already been updated, including the roof, windows, HVAC system, and tankless water heater—providing years of worry-free ownership. Outside, you'll discover incredible curb appeal with professional landscaping, an oversized custom stamped concrete driveway that makes an unforgettable first impression, and a stunning stamped concrete patio designed for outdoor entertaining, family gatherings, or simply relaxing after a long day. Two spacious storage sheds provide exceptional room for lawn equipment, hobbies, and seasonal storage. This is far more than a renovation—it is a complete transformation where quality craftsmanship, thoughtful design, and luxury finishes come together to create an exceptional move-in-ready home. Simply unpack, relax, and enjoy everything this remarkable property has to offer. P.S And lets not forget the 50 amp on driveway for all your EV or Camper or however you would like to use it. It's there for you already. Owner is the Listing Agent.
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.
