Welcome to your new estate home located on a premium corner lot in the prestigious gated golf course community of Oak Creek, offering luxury, technology, and thoughtful design across all three levels. From the moment you arrive, the side-load garage with EV charging outlet and WiFi-enabled garage opener adds both convenience and modern functionality. Step inside and immediately notice the 9-foot ceilings throughout all three levels, enhanced by wide-plank LVP flooring on the main level, oak stairs with elegant wrought-iron balusters, designer brushed nickel fixtures, and LED lighting throughout the home. An impressive arrival center just off the garage features a built-in bench, cubbies, hooks, and a large walk-in coat closet—perfect for keeping daily life organized. Custom-cut Graber faux wood blinds add a polished touch to every window throughout the home. The heart of the home is the gourmet chef’s kitchen, designed for both everyday living and entertaining. It features a WiFi-enabled double wall oven, hooded 5-burner gas cooktop, and stand-alone microwave, along with a spacious island complete with a deep single-basin sink, pull-out faucet, soap dispenser, and push-button disposal. Under-mount cabinet lighting and strategically placed outlets complement the subway tile backsplash, creating a sleek and functional workspace. Retreat to the luxurious Owner’s Suite, highlighted by a tray ceiling with crown molding and a spa-inspired bath that includes dual granite vanities with framed mirrors, a large soaking tub, and a dual Roman-style walk-in shower with built-in bench seating enclosed by frameless glass. A dedicated linen closet adds additional convenience. Each of the five spacious bedrooms includes its own en-suite bathroom and walk-in closet, offering exceptional privacy and comfort. The upper level also includes a well-appointed laundry room with granite counters, full-size utility sink, cabinetry, and a large linen closet. 66-inch high outlets in all bedrooms allow for seamless wall-mounted television installation. The fully finished lower level is designed for entertainment and relaxation, featuring a spacious recreation room with surround sound media pre-wire, HDMI pre-wire, and elevated outlets for clean TV mounting. A custom framed wall niche with glass shelving and WiFi-enabled lighting adds a stylish focal point. The impressive wet bar includes quartz countertops, Edison-style pendant lighting, deep basin sink, wine cooler, dishwasher, disposal, and both USB-C and USB-A charging outlets—perfect for hosting guests. Modern comfort and connectivity are built into the home with a dual HVAC system featuring wall control panels on both the main level and owner’s suite, integrated with the Nest app, fiber-optic high-speed internet through Verizon FIOS, and a security system with exterior cameras and video doorbell. Residents of Oak Creek enjoy resort-style amenities including a community center with fitness facility, meeting space, outdoor pool, locker rooms, on-site HOA staff, mobile app guest access control, and 24/7 security patrol and surveillance. This home offers the perfect blend of luxury, smart technology, and community living in one of the area’s most sought-after neighborhoods. Schedule your private tour Today!
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.
