Stunning single-story oasis with $65K+ in recent upgrades! Curb appeal leads to an open floor plan with soaring ceilings, new flooring, a gas fireplace & plantation shutters. The gourmet kitchen boasts granite counters, an island, breakfast bar & premium cabinetry. 3 spacious bedrooms & 2 full baths are beautifully updated (2025). The resort backyard features a gas-heated Pebble Tec pool & spa, stone built-in BBQ & artificial turf. The stamped concrete patio has a pergola & covered patio with 3 motorized shades, plus a covered outdoor fireplace & TV setup. The 3-car garage offers epoxy floors & cabinets; fully insulated & the 3rd bay is walled off for a workshop or office. A gated pet side yard & doggie door to safely segregate pets from the backyard. Property Features & Upgrades Recent Capital Improvements - $65,000+ Invested - Total property updates since owned. Interior Living Spaces - Open Concept Layout - Light-filled floor plan with soaring ceilings and modern new flooring. - Designer Finishes - Elegant plantation shutters and a cozy natural gas fireplace. - Gourmet Kitchen - Granite countertops, center island, breakfast bar, glass-tiled backsplash, walk-in pantry, and premium wood cabinetry. - Comfortable Bedrooms - 3 generously sized bedrooms featuring ample closet space. - Bathroom Renovation - Both full baths completely updated in 2025 new a new vanity and backsplash in the primary, and custom showers & Kohler fixtures in both. Resort-Style Backyard - Heated Pool & Spa - Sparkling Pebble Tec pool and spa, both heated via natural gas. - Outdoor Entertaining Wall - Covered patio with a natural gas fireplace beautifully framed under the TV. - Outdoor Living Space - Large covered patio with 3 remote-controlled, electric-powered retractable shades. A separate pergola covered sitting area and an outdoor shower set up. - Summer Kitchen - Premium stone-faced built-in BBQ grill with cook top, power outlets & space for a small fridge . - Low-Maintenance Yard - Beautiful stamped concrete, lush landscaping, and pristine artificial turf play areas. Garage & Separate Flex Space - Upgraded 3-Car Garage - Sleek epoxy flooring and seamless built-in storage cabinets. - Insulated 3rd Bay - Walled-off 3rd car garage with separate door access; ideal for a workshop, home gym, or private office. Pet-Friendly Amenities - Dedicated Dog Run - Direct pet access door leading to a functional side yard. - Safety Separation - Additional transition gate to safely separate pets from the main backyard and pool area when needed.
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.
