Welcome to 2026 Silent Shore St in the highly sought-after Inspiration community — a master-planned neighborhood designed for active living and year-round enjoyment. This spacious 4-bedroom, 3-bath home features thoughtful design touches throughout, including a dedicated game room with built-in desk that could serve as a private suite, a convenient upstairs full bathroom, and a well-appointed kitchen with gas stove, upgraded granite countertops, and butler’s desk area. The laundry room includes built-in cabinetry for added organization. Outdoor living is elevated here, with a covered patio, a charming front porch, a covered deck, and a swing in the backyard — perfect for relaxing, entertaining, or watching kids play. Inspiration offers a resort-style lifestyle with access to Club Inspiration featuring a clubhouse, fitness center, playgrounds, event lawn, grilling pavilions, and four sparkling pools anchored by a 350-foot lazy river with beach entry and cabanas overlooking scenic surroundings. Walking and biking trails, community parks, and water activities add even more everyday enjoyment. Nearby Lake Lavon provides abundant outdoor recreation including boating, fishing, paddleboarding, picnicking, and scenic trails just minutes away. Wylie itself is a vibrant northeast Dallas suburb with a welcoming community feel, local parks, boutique shops, dining, seasonal events, and quality schools. Everyday conveniences, major employers, and easy access to surrounding cities give you the best of North Texas living. This home and neighborhood blend space, amenities, and lifestyle in a location that delivers both relaxation and convenience.
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.
