Welcome to the guard-gated community of Heartland Bay, part of the highly desirable Heartland master-planned community in the North Valley of Las Vegas. This rare location opportunity offers breathtaking mountain views overlooking the Tule Springs Fossil Beds National Monument and the majestic Sheep Mountains. Rich in history, this protected area was once home to Ice Age animals including Columbian mammoths, saber-tooth cats, and more. This barely lived-in home features 4 bedrooms and 2.5 bathrooms with an ideal open-concept layout designed for both comfort and entertaining. The spacious primary suite easily accommodates a king-sized bed with room for additional furnishings, while the luxurious primary bath offers dual sinks, walk in shower and a large walk-in closet. The beautifully designed kitchen showcases shaker-style cabinetry, granite countertops, stainless steel appliances, a massive pantry, and a large island with additional seating perfect for gatherings and everyday living. The dining area can comfortably fit an oversized farmhouse table and flows into the expansive living room—ideal for relaxing evenings, entertaining guests, or cheering on the Vegas Golden Knights in the Stanley Cup Finals. Additional highlights include luxury vinyl plank flooring, plush carpet in like-new condition, and an attached 2-car garage with direct kitchen entry for convenient grocery unloading. Backyard landscaping is currently being installed, adding even more appeal to this incredible property. Enjoy all the amenities Heartland has to offer, including miles of walking trails, multiple parks, dog parks, basketball courts, pickleball courts, tennis courts, playgrounds, large grassy recreation areas, and community facilities throughout the neighborhood. Conveniently located near the 215 freeway, quick access to Downtown Las Vegas, Fremont Street, the iconic Las Vegas Strip, Aliante area offers golf, casino, hotel accommodations, shopping, dining, and entertainment.
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.
