This exceptional 4-bedroom, 2-bath home offers over $30,000 in premium builder upgrades and high-end finishes throughout. With its striking brick and stone exterior and designed with the highest-tier builder package, this home stands apart from standard new construction options nearby. Inside, you’ll find A+ upgraded flooring, modern design touches, and an open-concept layout filled with natural light. The heart of the home is the chef-inspired kitchen featuring a farmhouse sink, stainless steel appliances, granite countertops, and an oversized island with barstool seating — perfect for hosting, casual dining, and everyday living. The kitchen flows seamlessly into the spacious living and dining areas, creating an ideal entertaining space. The thoughtfully designed split-bedroom layout offers both functionality and privacy. The primary suite is privately situated at the back of the home, separated from the three secondary bedrooms, creating a peaceful retreat. Vaulted ceilings add volume and elegance, while the primary bath features a large shower, double sinks, and an oversized walk-in closet. Each of the three secondary bedrooms also includes its own walk-in closet — a rare and highly desirable feature that provides exceptional storage throughout the home. Additional upgrades include a built-in EV charging station in the garage, adding convenience and forward-thinking value for electric vehicle owners. Step outside to enjoy low-maintenance landscaping and a premium lot location — directly across from the community dog park and playground and backing to an open field with no rear neighbors, offering both convenience and added privacy. Located in the growing community of Justin, TX, this 4-year old home delivers upgraded finishes, completed enhancements, and move-in-ready convenience — without the added cost or wait of upgrading a base-level new build further down FM 156. Come and make this your own!
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.
