COMING SOON! Welcome to this beautifully updated and thoughtfully refreshed home, ideally positioned on a desirable corner lot at the edge of a cul-de-sac. From the moment you enter, the grand two-story foyer and soaring ceilings create a stunning first impression, setting the stage for the spacious and inviting interior that follows. The versatile front sitting room offers endless possibilities as a home office, playroom, or formal living space, while the elegant dining room is perfect for hosting gatherings. The kitchen features granite countertops, stainless steel appliances (updated in 2021 and 2025), an eat-in breakfast area, built-in desk space and drop zone. Upstairs, the spacious primary suite showcases vaulted ceilings, a private ensuite bath, and an upgraded walk-in shower completed in 2020. Additional bedrooms provide ample space for family, guests, or flexible work-from-home living. Designed for immediate enjoyment, the home has been refreshed for the market with Scraped ceilings and fresh interior paint throughout, updated lighting fixtures, upgraded hardware. The backyard is ready for spring and summer with fresh seed and straw, a brand-new deck (2026) overlooking the backyard and a storage building situated on a permanent pad. Additional improvements include replacement windows (2016), roof (2010), siding (2020), and gutters (2020), offering both style and peace of mind. Residents enjoy exceptional community amenities including a pool, clubhouse, playground, picnic area, and scenic walking and biking trails connecting to the neighborhood school and recreation areas. Conveniently located less than 5 miles from Carowinds, RiverGate Shopping Center, Ayrsley Town Center, dining, shopping, and entertainment. Enjoy easy access to Uptown Charlotte, Ballantyne, Fort Mill, Anne Springs Close Greenway, and Charlotte Douglas International Airport, all within approximately 20 minutes. Blending timeless appeal, thoughtful updates, and an exceptional location, this move-in-ready home delivers the lifestyle today's buyers are searching for.
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.
