OPEN HOUSE SAT and SUN 1-3! FALL IN LOVE! This stunning, spacious, yet cozy 3BD, 3 BA, 3-level home is located on a quiet cul-de-sac in the secure 55+ gated community of Regency at Creekside. You do not want to miss seeing this property! One-level living has truly never been so elegant. Thoughtfully designed and perfectly appointed with refined upgrades throughout, this exceptional home blends comfort, style, and functionality! You are warmly greeted by a light-filled two-story foyer that sets the tone for the beautiful spaces beyond. The breathtaking gourmet kitchen is the heart of the home, featuring an expansive island, high-end quartz countertops, stainless steel appliances, wall oven, and immense storage. The kitchen flows seamlessly into the expansive Great Room with a dual-sided fireplace, along with a casual dining area and space for more formal dining—perfect for entertaining or everyday living. Step outside and it gets even better! The enormous Trex screened-in porch offers a cozy fireplace, ceiling fan, and peaceful tree-lined views, creating the ideal setting for relaxing mornings or evening gatherings. Choose to spend time on the nice sun deck and grill dinner - you've got options! The main-level primary retreat provides a private escape with a spa-like ensuite bath and a walk-in closet with custom built-in storage. Completing the main level are a large dedicated office with a wall of windows, second bedroom, second full bath, and laundry room, making true one-level living effortless. Upstairs, a versatile loft/multi-purpose space can serve as a theater area, additional office, or private guest retreat, featuring the third bedroom and third full bath, in addition to a storage closet. The expansive lower level walk-out with over 2,000 sq ft and bath rough-in is ready for your finishing touches, offering endless possibilities for recreation, entertaining, or additional living space! Residents of this private, gated community enjoy resort-style amenities, including a Clubhouse, indoor and outdoor pools, gathering areas, scenic walking paths, tennis, pickleball, bocce, putting green, fitness center, and beautifully maintained grounds with fountains. There are many activities and clubs to enjoy too! The HOA handles snow removal of driveways and sidewalks. Custom remote fabric shades, entire home has been freshly painted, brand new neutral carpet in Primary Suite and lighting throughout. The home also has an irrigation system and whole house generator. Enjoy the perfect blend of luxury, tranquility, and community in this exceptional home! Custom chair lift and garage ramp can be removed or convey at Purchaser's preference, and at Seller's expense..
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.
