The Ultimate Turnkey Estate: Luxury, Longevity & Leisure Motivated Sellers will offer $9,000 buyer credit if buyer is able to close before July 1, 2026. Welcome to a residence where meticulous maintenance meets refined luxury. Set on a private, beautifully landscaped 3-acre lot in the highly sought-after River Hill school district, this exceptional 6-bedroom, 4.5-bath estate has undergone a complete evolution since 2015—blending timeless design with the infrastructure and lifestyle upgrades today’s luxury buyers demand. From the moment you arrive, the home makes a striking impression with exceptional curb appeal, professionally designed stone landscaping, and a grand wraparound driveway offering abundant parking space for guests and seamless access to the expansive 3-car garage. The expansive chef’s kitchen, reimagined in 2025, is thoughtfully designed for both elevated entertaining and everyday living. Complete with a sophisticated wine bar and ample space for a large breakfast table, the kitchen serves as the true heart of the home. Rich hardwood floors flow throughout the main level, seamlessly connecting the elegant formal dining room, inviting living room, and spectacular family room. Anchored by a dramatic stone fireplace that rises to the soaring ceiling, the family room is framed by expansive windows that flood the space with natural light and showcase breathtaking views of the surrounding trees and nature. A Quadratek pellet stove (2022) adds warmth and ambiance to the main living area. A stunning two-level sunroom further enhances the home’s connection to the outdoors, offering unobstructed views and complete privacy surrounded by mature trees in every season. The main level also features a flexible bedroom and office suite ideal for guests, multigenerational living, or anyone seeking convenient main-level accessibility without the need to navigate stairs. Upstairs, retreat to a massive primary suite featuring a wood-burning fireplace, his-and-hers walk-in closets, and a completely redesigned spa-inspired primary bath completed in 2026, offering a luxurious private retreat with high-end finishes and thoughtful design throughout. Three additional spacious bedrooms and two full bathrooms complete the upper level, providing comfort and privacy for family and guests alike. Private backyard resort! Enjoy a heated saltwater inground pool with a new 2024 propane heater, a relaxing deck-side hot tub, professionally designed stone landscaping, and expansive outdoor spaces ideal for entertaining or unwinding in complete privacy. Just steps from the home, residents also enjoy access to a community tennis court. The fully finished walk-out lower level is an entertainer’s dream and a destination of its own. Designed as the ultimate game and reception space, it features a beautifully remodeled bar area, slate-surface pool table, updated 2023 projector and theater seating, and expansive gathering areas ideal for hosting unforgettable events. The lower level also includes a private bedroom with a large walk-in closet and access to a full bath featuring a private sauna, creating the perfect guest retreat or extended-stay living space. A full mirrored gym with direct walk-out access to the garage completes this exceptional level. Surrounded by mature trees, the property offers a rare sense of seclusion while still being conveniently located. This is true turnkey luxury with major investments already completed for peace of mind and long-term value, including: Landmark Roof (2019) New Trane Upper-Zone HVAC System (2024) Liberty Pure Water Purification System (2020) Hybrid Heat Pump Water Heater (2025) Professionally Sealed Driveway (2024)
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.
