Charming barely begins to describe this delightful Silverado Ranch home, where comfort, character, and everyday livability come together in perfect harmony. Nestled in one of Las Vegas’ most desirable communities, this inviting 3-bedroom, 2.5-bath residence with a versatile loft offers the ideal blend of peaceful retreat and convenient access to shopping, dining, parks, schools, and major transportation routes. From the moment you step inside, you're welcomed by warm wood flooring, abundant natural light, and an open-concept design that creates an effortless flow between the living, dining, and kitchen spaces. The spacious great room is perfect for gathering with family and friends, while the well-appointed kitchen features extensive cabinetry, generous counter space, a center island with breakfast seating, stainless steel appliances, and a large walk-in pantry. Just beyond the sliding glass doors lies the true highlight of the home—an enchanting backyard oasis. Mature shade trees create a lush canopy over the expansive lawn, while the covered patio provides the perfect setting for outdoor dining, weekend barbecues, or simply enjoying a morning coffee while listening to birdsong and rustling leaves. This private retreat offers ample room for entertaining, gardening, play, or peaceful relaxation. Upstairs, you'll find three comfortable bedrooms and a spacious loft ideal for a playroom, media room, home office, or second family room. The generously sized primary suite provides a relaxing escape, complete with an ensuite bath featuring dual sinks, a separate soaking tub, and a walk-in closet. Thoughtfully designed for both everyday living and entertaining, this home offers flexible living spaces, a functional floorplan, and a backyard setting that is truly special. Whether hosting guests, enjoying family time, or relaxing beneath the shade of mature trees, this enchanting Silverado Ranch residence is ready to welcome you 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.
