Welcome to a sprawling 5-bedroom, 4-bath walkout rancher set on a rare ¼-acre homesite in the coveted Sanctuary Pointe community. Step inside to real hardwood flooring setting an elevated tone. The layout flows from the inviting Great Room—anchored by a warm gas fireplace—to a formal dining space perfect for both special occasions and everyday connection. At the heart of the home, the gourmet island kitchen stands as a true culinary sanctuary, complete with premium finishes and generous workspace that make cooking and gathering feel effortless. Just beyond, a covered deck frames sweeping mountain views, offering a serene backdrop for morning coffee, quiet evenings, or year-round entertaining. The luxurious primary suite feels like a private retreat, featuring an oversized walk-in closet, spa-inspired bath with an expansive zero-entry shower, and direct, convenient access to the laundry room. Two additional main-level bedrooms (one easily can be used as a home office) and three hard-to-find main-level baths create exceptional flexibility and comfort for guests or multi-generational living. The walkout lower level showcases a spacious family room with a second gas fireplace, a beautifully designed custom wet bar, and open areas ideal for movie nights, games, hobbies, or a future fitness studio. The lower level also includes rough-in plumbing for a future in-law or junior suite, offering opportunity for seamless expansion. For anyone craving extra space, the fully finished 4-car garage is a standout feature—epoxy flooring, abundant storage, and a dedicated workshop bay create the perfect setting for projects, toys, or the ultimate hangout. Outside, the landscaped backyard enhances a sense of calm, while the community itself elevates daily living with scenic trails, parks, playgrounds, food trucks, concerts, a soccer field, and quiet, tree-lined streets—all just moments from everyday conveniences yet pleasantly removed from the noise of the highway.
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.
