OPEN HOUSE: 04/11/2026 from 12:00 PM to 2:00 PM. 04/12/2026 from 12:00 PM to 2:00 PM. Welcome to 14146 Blind Bandit Creek in the highly desirable Kallison Ranch community. This extensively upgraded single-story home, built in 2021 has 4-bedrooms and 3 full bathrooms with 2,172 sq ft of bright, open-concept living designed for everyday comfort and effortless entertaining. At the heart of the home, the gourmet kitchen features 42" custom cabinetry accented by designer oil-bronzed hardware and crown molding, enhanced with oversized pull-out drawers, under-cabinet LED lighting, bronze-finished pendant lighting at one of the two islands, a designer's touch herringbone backsplash and engineered stone countertops with a bull-nosed edge. A suite of GE stainless steel smart appliances, including a remote-controlled hood over gas range, completes the space, and the Whirlpool stainless side-by-side refrigerator conveys. In addition, the laundry room includes an LG smart washer and dryer which also conveys with the sale of the home. The elevated and freshly painted interior includes oversized wood-plank tile flooring in the main living areas, upgraded carpet with premium padding in the bedrooms, custom faux-wood blinds, and a convenient built-in mud space with hooks and storage. Retreat to the spacious primary bedroom with luxurious, spa-inspired ensuite featuring dual vanities, an oversized garden tub, and custom walk-in shower with built-in bench. Enjoy modern convenience with smart-home upgrades such as an ADT security system with Google Nest, integrated interior and patio speakers, CAT6 Wi-Fi boosters, and additional data wiring. The exterior of the home is warm and inviting with an upgraded mahogany front door, four-sides brick and stone masonry and includes a full gutter system, RainBird smart irrigation and fresh landscaping. The garage boasts easy-maintenance epoxy flooring. The oversized covered patio is ready for hosting-complete with two built-in outdoor speakers and a dedicated GFI with 4-circuit + CAT6 wiring, ideal for a future hot tub or outdoor kitchen-all backing to a peaceful greenbelt for added privacy. Kallison Ranch residents enjoy an amenity-rich lifestyle with two resort-style pools, cabana lounging areas, two parks with playgrounds, a plentiful dog park, catch and release fishing pond with meandering ducks, covered pavilions for grilling, dining and gathering, and lush green spaces throughout. Enjoy the beauty that this lovely home and community have to offer!
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.
