Welcome to 15911 Aerial View Rd—a charming Colonial on a quiet cul-de-sac, brimming with curb appeal, modern finishes, and thoughtfully designed living spaces throughout. Meticulously maintained and truly turnkey, this home features fresh paint, neutral tones, and stylish updates that create the perfect canvas for your personal touch. Step inside to an inviting open floor plan on the main level, where low-maintenance LVP flooring flows seamlessly throughout. The great room is anchored by a cozy gas fireplace and filled with natural light from large windows, creating a warm and welcoming atmosphere. The stunning kitchen is a true showstopper, complete with quartz countertops, a spacious island, stainless steel appliances, ample pantry storage, and 42” cabinetry with elegant crown molding. Just off the kitchen, a generous breakfast area offers the perfect spot for casual dining, while formal living and dining rooms provide additional space for entertaining. The main level also offers convenient access to the attached two-car garage. Upstairs, retreat to the expansive primary suite featuring two large walk-in closets and a spa-like en suite bath with a dual sink vanity, soaking tub, and a beautifully tiled glass-enclosed shower. Three additional bedrooms and a well-appointed full bathroom complete the upper level, all with plush carpeting for added comfort. Laundry is on the upper level for added convenience. The walk-out lower level offers incredible flexibility, with a full bathroom, a large unfinished storage room, and abundant space ideal for recreation, entertaining, a home gym, office, or playroom. Storage area in the basement has the potential to be converted into a 5th bedroom. Outdoor living is just as impressive, with a spacious Trex deck off the main level overlooking a large, flat, fully fenced backyard. Stairs lead down to a stunning stamped concrete patio—perfect for gatherings, relaxation, and enjoying the outdoors. With modern fixtures, thoughtful upgrades, and impeccable care throughout, this home offers the perfect blend of style, comfort, and functionality.
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.
