Welcome to Heaven, where timeless elegance meets modern luxury in this breathtaking 3-bedroom, 2-bath residence that truly has it all. From the moment you arrive, the home captivates with its stunning shaker-style vinyl shingle exterior, rich stone accents, and an inviting covered front porch, a grand first impression that sets the tone for what lies within. Step inside and experience a beautifully curated interior filled with warmth and sophistication. The living room immediately welcomes you with gleaming hardwood floors and a show-stopping stone wall fireplace, creating a perfect balance of comfort and style. Every space flows effortlessly, making the home ideal for both everyday living and elegant entertaining. At the heart of the home, the chef-inspired kitchen is nothing short of exceptional. It features white shaker cabinetry with crown molding, a classic subway tile backsplash, ceramic tile flooring, stainless steel appliances, recessed lighting, and luxurious granite countertops, a space where function meets beauty. The adjacent open dining area, finished with hardwood flooring, offers a warm and inviting setting for family meals, holidays, and special gatherings. Each bedroom is thoughtfully designed with generous proportions and ample closet space, providing comfort and flexibility to suit your lifestyle. The primary suite is a private sanctuary, highlighted by vaulted ceilings, built in skylight, recessed lighting and a spa-like bathroom showcasing stunning floor-to-ceiling ceramic tile, a seamless glass shower, dual granite-topped vanities, and a luxurious soaking jetted tub, your personal retreat at the end of the day. The hall bathroom continues the theme of elegance with neutral floor-to-ceiling tile, topped with crown moulding, a seamless shower, and a granite vanity. The lower level expands your living space with a spacious family room, anchored by a striking custom wood accent wall that creates the perfect environment for movie nights, game days, or relaxing with loved ones. An additional bedroom on this level offers a convenient option for guests or for anyone seeking stair-free living. Step outside and discover your own private oasis. The home boasts a huge custom maintenance-free deck, ideal for entertaining or quiet evenings outdoors, overlooking a beautifully sized, fully fenced backyard that offers both privacy and serenity. Completing this exceptional outdoor space is a custom shed, finished with craftsman shaker shingles and stone, perfectly designed to mirror the elegance of the home itself. Every detail of this residence has been thoughtfully designed and impeccably maintained inside and out. What else could you possibly ask for? Who wouldn’t want to live here? This home is the perfect blend of beauty, comfort, and craftsmanship. This home is equipped with solar panels, offering improved energy efficiency and the potential for reduced utility costs, making it a smart and sustainable addition to an already impressive property. Come experience this little slice of heaven and make it yours 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.
