If you’ve been searching for a refined horse property where every detail supports both horse and rider and where you can ride directly from your farm into a like-minded equestrian community, this is the one that truly delivers. Tucked behind a private gated entrance, this thoughtfully designed property offers a seamless blend of functionality, flow, and everyday convenience. The land has been carefully laid out to support efficient horse management, featuring multiple well-positioned paddocks that allow for easy rotation and optimal pasture use. Each paddock is equipped with automatic waterers, ensuring consistent access and simplifying daily routines. Round bale feeders are already in place, minimizing waste and streamlining feeding, while multiple run-in sheds provide dependable shelter throughout the seasons. The layout is both practical and intentional, allowing for smooth movement between paddocks, easy equipment access, and clear sightlines—so you can keep an eye on your horses without ever leaving the house. Whether you’re managing a small private setup or looking for a property that can comfortably support additional horses, the infrastructure is already here making this a true turn-key equestrian opportunity. And what truly sets this property apart is the direct access to riding trails. Step out of your barn, tack up, and ride straight into an established horse community, no hauling, no hassle, just immediate access to the lifestyle you’ve been looking for. Beyond the barn, a separate fenced dog area ensures your other four-legged companions have their own safe and secure space to enjoy. The home itself offers a warm, elevated retreat that complements the land beautifully. Hardwood floors run throughout, and a stunning library with a fireplace creates the perfect space to unwind after a day in the saddle. With 4 bedrooms and 2.5 bathrooms, there is ample room for family, guests, or a dedicated home office. A new roof is currently set to be installed in 2 weeks, adding long-term value and peace of mind, while a whole-home generator ensures you’re prepared in every season. This is more than a property, it’s a fully realized equestrian lifestyle. Mornings in the barn, effortless rides from your own land, and quiet evenings by the fire, this is where it all comes together.
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.
