COUNTRY LIVING NEVER LOOKED SO GOOD.Welcome to the perfect blend of peaceful country charm and modern comfort. This meticulously maintained, move-in ready retreat offers the lifestyle buyers are searching for — privacy, acreage, and a backyard built for making memories. The true showstopper? A sparkling 14x28 in-ground pool surrounded by an expansive deck designed for entertaining, relaxing, and enjoying endless summer days. Whether you’re hosting cookouts, unwinding after work, or watching sunsets over the open fields, this property delivers the kind of outdoor living that’s hard to find. Situated just minutes from town, this beautifully kept 3-bedroom, 2.5-bath home combines timeless elegance with everyday functionality. Inside, you’ll find 9-foot ceilings, crown molding, a formal dining room, and a warm, inviting family room centered around cozy gas logs. The main-level primary suite offers privacy and convenience, while two spacious upstairs bedrooms and a full bath provide plenty of room for family or guests. Step outside and fall in love with the land itself. Expansive open fields create a peaceful country backdrop, while mature fruit trees — including banana, peach, fig, and pomegranate — add charm and character rarely found in today’s market. Additional highlights include an upgraded HVAC system and a seller-offered $3,000 flooring allowance for the upstairs, allowing buyers to add their personal touch. Enjoy the serenity of country living while still being conveniently located just 1.2 miles from Classical Charter Schools of America and 2.4 miles from Columbus Christian Academy. From the rocking chair front porch to the private in-ground pool oasis, every inch of this property feels like home. Priced to sell — schedule your private tour today before this one is gone.Seller is also willing to sell the Cub Cadet lawnmower for $1,500.
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.
