Back active through no fault of seller. Located in the sought-after Estates of Chancellorsville community, 13612 Perimeter Drive offers beautifully updated living spaces, exceptional entertaining areas, and the kind of flexibility that makes everyday life both comfortable and functional. Built in 2000, this three-bedroom, 3.5-bath home combines spacious interior living with a backyard retreat designed to be enjoyed year-round. At the center of the home is the beautifully upgraded kitchen, a true standout feature and the space that naturally brings everyone together. Thoughtfully updated and designed for both everyday use and entertaining, the kitchen serves as the heart of the home with an inviting layout that flows seamlessly into the surrounding living spaces. Whether hosting family gatherings, preparing meals, or spending time with friends, the main level was designed to feel open, connected, and welcoming. Guests immediately notice how spacious and bright the home feels from the moment they walk inside. Modern updates throughout the main levels create a refreshed and move-in-ready feel, while the expansive finished basement adds an entirely separate living and entertaining area that significantly expands the functionality of the property. The lower level offers incredible flexibility for movie nights, recreation, hobbies, work-from-home space, guests, or everyday relaxation without ever feeling crowded. The outdoor space transforms the property into a true personal retreat. The private backyard centers around the in-ground pool, featuring a brand-new pool liner installed in 2026 and creating the perfect setting for summer gatherings, outdoor entertaining, or simply unwinding at the end of the day. Whether hosting a large pool party or enjoying a more relaxed evening outdoors, the backyard was designed to be enjoyed. The home has been extensively improved in recent years, creating peace of mind for future owners. Major updates include a brand-new roof completed in 2026, a new pool liner in 2026, and a fully finished basement that maximizes both living and entertaining space. Numerous additional modern upgrades throughout the home further enhance the overall turnkey feel of the property. Located within a well-established community known for its spacious lots and convenient location, Estates of Chancellorsville offers quick access to shopping, dining, parks, commuting routes, and everyday conveniences while still maintaining a welcoming neighborhood atmosphere. Turnkey, spacious, and designed for entertaining, this home offers the rare ability to comfortably host large gatherings while still feeling like a relaxing place to unwind every day. From poolside summers to cozy movie nights downstairs, 13612 Perimeter Drive has been a home built around making memories.
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.
