WELCOME home to this beautifully updated 3-bedroom, 2-bathroom residence situated on a desirable CORNER LOT, where modern finishes and everyday comfort come together. From the moment you step inside, you'll appreciate the bright, open layout designed for both relaxing and entertaining. The spacious living area flows effortlessly into the dining space and well-appointed kitchen, creating the perfect gathering place for family and friends. The kitchen is both stylish and functional, featuring elegant quartz countertops, abundant cabinet space, and a full suite of BRAND NEW APPLIANCES installed in 2025, along with a never-used stove and new washer and dryer added in 2026. Luxury vinyl plank flooring extends throughout the home, offering both durability and contemporary appeal, while the bathrooms are finished with tile flooring and matching quartz countertops for a cohesive, upscale look. Hurricane IMPACT WINDOWS provide added protection and energy efficiency, while the whole-house WATER FILTRATION SYSTEM enhances everyday comfort and convenience.The private primary suite provides a peaceful retreat with its own en-suite bathroom, while two additional bedrooms offer flexible space for family, guests, or a home office. Both bathrooms are thoughtfully designed with comfort and convenience in mind.Outside, the corner lot provides added privacy, extra yard space, and enhanced curb appeal, with plenty of room to relax, garden, entertain, or create your own outdoor oasis. Additional peace of mind comes from the septic system, which was professionally cleaned and serviced in 2025. Conveniently located near shopping, dining, schools, parks, and major roadways, this move-in-ready home combines stylish updates, functional living spaces, and a desirable corner lot in a fantastic location. Don't miss the opportunity to make this inviting property your next home.
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.
