Welcome to effortless living in the highly sought-after Skybrook community! This well maintained former model home showcases exceptional craftsmanship, thoughtful upgrades and an unbeatable end unit location offering added privacy, natural light, peaceful wooded views and truly lives like a single family. From the moment you arrive you will appreciate the end load garage and beautifully maintained exterior, while the HOA provides the convenience of the exterior siding and roof maintenance as well as lawn care, allowing a true low maintenance lifestyle. Inside, the open and airy floor plan is filled with lots of natural light. The spacious kitchen features an abundance of cabinetry, stainless steel appliances with a stainless range hood, tile backsplash, touchless faucet, center island and separate dining area. The great room is impressive and highlighted by a soaring vaulted ceiling and custom statement wall surrounding a cozy gas fireplace and seamless access to a private, treed patio. Retreat to the oversized, Primary suite with double closets, a flex space, ideal for a sitting area, reading nook or fitness space. The spa like bathroom features heated elegant tile flooring with glass walk in tile shower, a garden tub and vanity with dual sinks. You will find two additional spacious bedrooms with large closets and another full hall bath with tile floor and granite countertops. The main level garage that was once the sales center for the model home has an Epoxy finished floor, with built-in cabinetry and shelving for organization and storage and an additional half bath. New upgraded lighting and HVAC replaced in 2023. Skybrook is known for its resort-style amenities including a championship golf course, clubhouse, swimming pool, tennis courts, pickleball courts, playgrounds, basketball courts and more. When combining the exceptional condition, upgrades, low maintenance living, and a desirable end unit location, this townhome is truly move-in ready and offers a lifestyle that you will love. Do not miss this opportunity to make this home your own!
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.
