Welcome to your mountain escape where privacy, mountain views, and timeless cabin charm come together on 2 serene acres of gently rolling land. Designed for effortless ownership, this cabin is being sold turn key and furnished. Perfectly positioned to capture breathtaking long-range mountain/foothills, this thoughtfully designed cabin offers a rare blend of tranquility and accessibility. From the moment you arrive at your personal property gated entrance, you’ll appreciate the peaceful setting, mature trees, and the sense of seclusion that makes this property feel like a true retreat. A welcoming front porch invites you inside to a light-filled interior highlighted by a dramatic wall of windows showcasing the endless views beyond. Along with many amenities to explore, this 3-level cozy cabin is simply adorable! Ideal for cozy evenings after a day of hiking or exploring. The basement floor is an oversized family room with large TV. Through the Dutch doors is a converted garage into a room for various uses with window. The middle floor, you will dine inside or outside with the kitchen within reach featuring beautiful cabinetry. The first bedroom, the primary bedroom and bath are just right around the corner from the dining/kitchen area. Climb up the ships ladder to the 3rd level or take the covered stairs to the beautiful second and third bedrooms! A cozy double bed, TV, and Amish made wood stools and table to watch your favorite television show or perhaps just read a good book! Down the hall are two bunk beds for your guests. Step outside onto the expansive ground deck and experience unforgettable sunrises and glowing sunset skies. Whether entertaining guests, enjoying outdoor dining, or taking in some sun, be ready to set memorable evenings alongside the fire pit and open sky. This outdoor living space was designed to maximize entertainment. In addition, a log cabin style photo blind is for that wildlife photographer or just to watch the bucks and does feeding along with the fawns doing their zoomies! A second love seat/photo elevated blind is located further into the wooded property. Outdoors, the property offers room to roam and endless possibilities! Take a stroll on the walking trails located on the property and with 2 acres, there is room to add additional buildings should your heart desire. Whether you’re seeking a full-time mountain lifestyle, a weekend getaway, this property offers unmatched beauty, privacy, and potential. You will be hard pressed to find another adorable cabin with long range mountain views at this price point. MUST WATCH VIRTUAL TOUR VIDEO! Your mountain dream begins here. Schedule your showing today. Updates include: Elevator, House electrical interlock//voltage protector, Level driveway, Ground wood deck, Doggie Park fence, radon reduction system, Golf cart garage conversion to storage/pantry, Solar panel powered and remote control driveway gate, new water pressure bladder tank.
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.
