Welcome home to this beautifully remodeled- West facing- East Layton gem offering 4 bedrooms and 2 bathrooms, where pride of ownership and quality craftsmanship shine throughout. From the moment you step inside, you'll notice the attention to detail-this seller truly spared no expense, showcasing top-notch finishes and thoughtful upgrades in every space. The stunning kitchen is a true showstopper, featuring maple construction cabinetry with soft-close hinges and an array of custom storage solutions including pot and pan pull-outs, a spice cabinet, and a dedicated baking sheet/cutting board cabinet. Sleek quartz countertops, a stylish tile backsplash, and a full suite of newer appliances-including Whirlpool appliances and a KitchenAid dishwasher-make this space both beautiful and functional. Additional highlights include a new sink, faucet with cup rinse, garbage disposer with countertop button, and smart voice-controlled under-cabinet LED lighting. The primary bathroom has been fully refreshed with a new vanity, sink, faucet, mirror, lighting, and toilet, along with a tile shower featuring dual niches and updated Moen fixtures. Upstairs bedrooms offer new carpet, fresh paint, updated closet doors, and ceiling fans in the other bedrooms for added comfort. Throughout the home, you'll find new door casing and baseboards, black hardware accents, and a cohesive, modern look with every room painted using premium Sherwin-Williams paint. Doors, trim, and baseboards are finished with durable Sherwin-Williams Emerald urethane paint for a clean, polished feel. The living room features a new fan, and a stylish wood and black railing adds character while defining the kitchen and living spaces. Major systems have been updated with a roof, windows, and furnace/AC all replaced in2015/ 2016, offering peace of mind for years to come. Enjoy outdoor living on the freshly painted deck (April 2026) and appreciate the convenience of new blinds and window shades throughout. The windows were replaced in 2018. All appliances-including washer, dryer, and refrigerator-are included with a full-price offer. Extra bonus' include a vegetable & herb garden, as well as a shed for all of your toys. Ideally located just minutes from Hill Air Force Base, this home combines modern upgrades, functionality, and a prime East Layton location. Don't miss your opportunity to own this truly turnkey home! Please see attached 3D tour! * Square footage figures are provided as a courtesy estimate only and were obtained from appraisal. Buyer is advised to obtain an independent measurement. *Reverse osmosis and ring doorbell are excluded.
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.
