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1609 Tolkien Ln, Murfreesboro, TN 37128

3 beds · 3 baths · 1,440 sqft

Unparalleled Features, Modern Comfort, and Prime Location Await! This thoughtfully designed property stands out with its superior craftsmanship, exceptional features, and an unbeatable location that caters to your lifestyle. As you enter, you're greeted by an open concept. The flow between the dining area, kitchen, and living room creates the perfect setup for both entertaining and relaxing. The three distinct spaces feel inclusive and inviting. And the upstairs laundry room? A lifesaver for busy days! At the heart of the home is an oversized kitchen island, large enough to comfortably seat 4-6 people. The owner’s suite is thoughtfully situated at the back of the house, providing privacy and tranquility, and has two separate closets. Storage solutions include a coat closet, a roomy space under the stairs, and more, ensuring everything has its place. Oversized windows throughout the home bring in abundant natural light, creating a bright, airy atmosphere. Durable finishes and like-new conditions mean you can move in without lifting a finger. The backyard has a playground conveniently located near the dog park, pond, and additional parking area. The neighborhood is designed with community in mind, offering sidewalks for evening walks and a welcoming atmosphere. You’ll appreciate the convenience of being just minutes from key amenities like Publix, Walmart, Kroger, and more. Zoned for the highly desirable Blackman schools. With quick access to the interstate, getting there is effortless, whether you're heading to work or exploring nearby attractions. This is more than a house. It’s a lifestyle upgrade. Don’t miss your chance to own this exceptional property. Schedule a showing today and enter a future of comfort, style, and convenience!

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

Roam Protection Plan 2
Roam transactions typically close in the same amount of time as a standard home purchase. To give sellers added peace of mind, if it takes longer than 45 days, we will pay the seller's mortgage until we close.
Location
Details
Home
Size
1,440 sqft
Year built
2020
Type
Townhouse
HOA dues
$160.00

Source: REALTRACS #2773322

Who can qualify

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%. 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.

Other resources
Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

How can you find assumable mortgage listings?

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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 “Get Notified” 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.

How do I qualify for an assumable mortgage?

expand content

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.

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Last updated: Feb 08, 2025 07:33 am
Listing agent: Jeri Thurmond (931) 980-8044
Listing provided courtesy of: Reliant Realty ERA Powered (931) 245-8800
Details provided by REALTRACS and may not match the public record.
MLS ID: #2773322
Based on information submitted to the MLS GRID as of Feb 13 2025 - 20:00. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.