A Private Resort Estate Overlooking Renditions Golf Course, perfectly positioned on 1.67 acres in the coveted Southern Hills community of Davidsonville, this extraordinary estate represents a rare convergence of architectural sophistication, resort-caliber amenities, and an unrivaled golf course setting. Located on a premium cul-de-sac homesite—the highest premium lot originally designated by the community founder—this residence commands sweeping views of Hole #9 at Renditions Golf Course, a celebrated replica of Oakland Hills’ iconic 16th. From the moment you arrive, the home makes a striking impression with its HardiPlank and stone exterior, covered front porch, architectural shingle roof, and meticulously curated professional landscaping. A four-car garage and double solid wood entry doors further underscore the home’s scale and refinement. Designed for seamless indoor-outdoor living, the rear of the home opens dramatically through multi-panel glass sliders to an expansive deck and wraparound outdoor living spaces. The backyard unfolds like a private resort, featuring a saltwater pool with a waterfall and automatic cover, a poolside spa, a covered entertaining pavilion with recessed lighting, a dedicated fire terrace, and a fully integrated sports court. Recreational luxury continues with an in-ground trampoline, custom climbing play structure, and a private putting green—all framed by lush, irrigated grounds. Inside, the residence is equally compelling. A soaring 30-foot coffered great room serves as the architectural centerpiece, defined by a dramatic basket-weave feature wall, custom shiplap accents, and a wall of windows capturing panoramic backyard views. The chef’s kitchen is both refined and highly functional, showcasing bespoke cabinetry, quartz surfaces, professional-grade KitchenAid and GE Monogram appliances, a 48” commercial-style range, a wine cooler, and an oversized island designed for gathering and entertaining. The upper level offers a serene primary suite retreat with cathedral ceilings, designer lighting, and a bespoke walk-in dressing room with custom built-ins and a center island. The spa-inspired bath features dual quartz vanities, a soaking tub, and an expansive walk-in shower with riverstone flooring. Additional ensuite bedrooms provide comfort and privacy, each thoughtfully appointed with modern finishes and refined detailing. The lower level is an entertainment and wellness destination unto itself, offering a spacious recreation lounge, walk-out access to the backyard, fitness room, and a dedicated wellness suite complete with a cold plunge and infrared sauna. Additional guest accommodations and flexible living spaces ensure effortless hosting at any scale. Smart home automation, whole-home audio, advanced security systems, and energy-efficient systems complete this exceptional offering—blending modern convenience with timeless luxury.
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.
