Welcome to your dream home, where modern upgrades meet unbeatable convenience! This stunning, fully renovated property is completely move-in ready and designed to impress today’s savvy buyers. Every detail has been carefully refreshed, offering you total peace of mind and years of low-maintenance living. From the brand-new structural upgrades to the beautifully finished lower level, this home radiates quality craftsmanship and contemporary style.Premium Exterior UpgradesBrand-New Roof: Offers ultimate protection, enhanced energy efficiency, and immediate curb appeal.New Gutter System: Professionally installed to ensure optimal drainage and long-term foundation protection.Fresh Exterior Accents: Creates a welcoming and pristine first impression the moment you pull into the driveway.Immaculate Main-Level LivingFresh Custom Paint: Crisp, neutral tones throughout the home create a bright, airy, and inviting atmosphere.Flawless New Drywall: Seamlessly updated walls provide a clean, modern aesthetic in every room.Abundant Natural Light: Large windows showcase the spacious layout and highlight the pristine finishes.Open-Concept Flow: Perfect for seamless everyday living and effortless weekend entertaining.Spectacular Fully Finished BasementExpanded Living Space: Massive lower-level footprint serves as the perfect media room, home gym, or playroom.Premium New Flooring: Durable, stylish, and modern flooring designed to handle heavy foot traffic with ease.New Drywall & Insulation: Professionally finished walls create a cozy, warm, and quiet retreat.Versatile Rec Room: Features a flexible layout easily adaptable for a home office or a private guest suite.Exceptional Location & Community HighlightsPrime Neighborhood: Nestled in a highly desirable, quiet, and family-friendly community.Top-Rated Schools: Located just minutes from excellent local school districts.Convenient Commuting: Quick and easy access to major highways, public transit, and main thoroughfares.Local Amenities: Short drive to vibrant shopping centers, boutique dining, and cozy local cafes.Outdoor Recreation: Surrounded by beautiful public parks, walking trails, and community green spaces.This exceptional property combines the luxury of a new construction feel with the warmth and character of an established neighborhood. With a brand-new roof, new gutters, fresh paint, and a fully transformed basement, all of the hard work has already been done for you. Do not miss your chance to own this turnkey masterpiece—schedule your private tour today before it is gone!
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.
