Located in one of Pleasant View's most sought-after areas, this home offers a rare opportunity to experience refined, multi-functional living with the ideal balance of privacy, sophistication, and everyday convenience. Positioned on a generous half-acre lot, this exceptional home is thoughtfully designed to support the way you live. The home offers both privacy and functionality for larger households or those who value room to live without compromise. Inside, each space unfolds with intention. The private office near the front entry is positioned to take in elevated views from the hillside, offering a bright and comfortable place to work. Multiple gathering spaces include three separate family rooms, a dedicated theater room, and a full-length deck that spans the back of the home. The intentional layout provides thoughtful indoor-outdoor flow and generous space for entertaining or comfortable living. The owner's suite serves as a private retreat, where a spa-inspired ensuite creates a quiet sense of luxury and comfort in your everyday routine. Heated floors, a jetted tub, a multi-head shower, a fireplace, and a walk-in closet elevate the space with detail and functionality. Throughout the home, integrated smart home technology adds convenience to daily living, while the three-car garage and RV parking provide ample room for vehicles, storage, and recreation. Designed for flexibility without compromising style the lower-level private suite features its own full kitchen and walk-out entrance, affording a refined space for extended living, long-term guests, or additional independence within the home. This home offers the opportunity to settle into a lifestyle that feels both refined and deeply livable. It is designed to adapt to your needs while making everyday living feel exceptional, all within a peaceful, scenic setting that still offers convenient access to amenities, dining, and commuter routes. Square footage figures are provided as a courtesy estimate only and were obtained from WFMLS, County and Appraisal. Buyer is advised to obtain an independent measurement.
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.
