This meticulously maintained 6-bedroom, 3-bath home has the kind of curb appeal that makes you slow down when you drive by and the kind of backyard that makes you never want to leave. With 2,601 square feet of thoughtfully designed living space, a walkout basement, vaulted ceilings, and more storage and toy-parking than most neighborhoods can offer, this one genuinely checks every box. Inside, the open kitchen shines with white shaker cabinets, granite countertops, stainless steel appliances, and a center island with bar seating flowing naturally into the dining and living areas. Vaulted ceilings keep the main living spaces feeling bright and open, while tasteful board and batten accent walls add a designer edge without trying too hard. The bathrooms are styled with intention, bold, moody dark walls paired with white cabinetry and granite counters give them a look that feels curated, not builder-basic. The primary bath features a double vanity and soaking tub, and custom floating shelves add a boutique touch throughout. Step outside and the backyard becomes the real headline. A stunning hardtop gazebo with draping curtains and string lights creates an outdoor living room you'll use well into fall. The built-in fire pit is the perfect gathering spot on cool evenings, and a row of raised garden boxes lined up along a concrete walkway leading right to the gazebo are ready for your green thumb. The fence-lined backdrop and cozy gazebo seating make this the ultimate setup for outdoor movie nights all you need is a projector and some popcorn. Fully fenced with a gated entry and landscaped with rock borders throughout, this backyard was designed to be lived in. For the hobbyist, the weekend warrior, or anyone with toys to park this property delivers. The extra-wide, extra-long RV parking space with reinforced vinyl fencing and a gated entry gives you room for the RV, trailer, boat, or whatever you're hauling. Out front, the 3-car garage features extra tall doors built to fit oversized trucks, sprinter vans, or anything that doesn't fit in a standard garage. Close to schools and shopping, with the kind of pride of ownership you can see in every single detail. Come see it before someone else does. Square footage figures are provided as a courtesy estimate only and were obtained from County Records. Buyer is advised to obtain an independent measurement and verify all information.
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.
