Here in SunCrest, some homes come with views that stop you mid-sentence. This is one of them. Perched high above the valley floor on Winged Bluff Lane, this home sits with views that are genuinely hard to explain until you're standing in front of them. Timpanogos to the south, Lone Peak to the north, Box Elder rising dead center in the frame like it was placed there on purpose. Spring snowmelt, summer alpenglow, fall color bleeding down the ridgelines, winter peaks stacked white against a blue sky. There's no bad season from this backyard. Frankly, there's rarely a bad hour. Inside, the bones are solid. The main floor lives with you, not against you, and the layout keeps pulling you toward the back of the home where those windows are. It's the kind of floorplan that was right when it was built and is still right today. Open enough to live in, defined enough to feel intentional. Upstairs, the primary suite is spacious and private, with room to make it exactly what you want. The bathroom is already set up the way it should be: separate soaking tub, walk-in shower, dual vanities. The other three bedrooms are well-sized and well-separated, giving everyone their own corner of the world and, honestly, some of the best views in the house. The lower level has been framed out and partially worked, with the heavy infrastructure in place. What it needs now is your vision. Drywall, flooring, finishes. A blank slate is hard to find these days. Out on the 24x16 composite deck, life stops. This is Utah beachfront. The yard is manicured and intentional, the views are wide open, and the quiet settles over the whole property in a way that's hard to find this close to everything. The trails are ready. The clubhouse, pool, and community events are firing on all cylinders. This season in SunCrest is its own thing: miles of trails, community events, neighbors who actually know each other. This deck puts you right in the middle of all of it without giving any of it up. This home has room to be personalized, and whoever does it gets to do that work with Timpanogos, Lone Peak, and Box Elder as a permanent backdrop. That view isn't something you can add later. The canvas here is rare. So is the address.
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.
