Step inside 1810 Apache Trail and feel how easy life can be when space, style, and comfort all come together. This home was designed for real living the kind where mornings start calm, days flow smoothly, and evenings bring everyone together in one central space. From the moment you walk in, your eye is drawn to the vaulted ceilings and the warm, wood-burning fireplace that anchors the living room. It’s the kind of space where you can relax on the couch, keep an eye on what’s cooking, and stay connected to everything happening around you. The open layout makes hosting simple whether it’s game night, family dinners, or a quiet night in. The kitchen is where this home truly shines. With a large island, sleek countertops, and a built-in wine fridge, it becomes more than just a place to cook it’s where people gather, talk, n stay a little longer. Just steps away, the dining space keeps everything flowing, making everyday living feel effortless. The primary suite is your private reset space. The custom shower, oversized mirrors, and thoughtful finishes create a clean, spa-like feel that helps you start n end your day right. Every detail feels intentional, from the flooring to the upgraded touches throughout. Outside, the lifestyle opens up even more. Sitting on a generous 0.22-acre lot, the backyard gives you room to breathe. The electronic gate adds both privacy n convenience, while the space itself invites possibilities weekend BBQs, pets running freely, or simply enjoying a quiet evening outdoors. Everyday function meets personality here from the durable wood-look tile flooring to the unique barn-style doors and the charming mural that brings life and creativity into one of the bedrooms. Located in Mesquite, you’re close to major highways, shopping, dining, n schools making your daily routine simple while still giving you a place that feels like your own retreat. This isn’t just a house—it’s where your life gets easier, more connected, and more enjoyable.
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.
