Welcome to 208 Christopher Road, located in the highly sought-after community of Edwards Manor in Forest Hill. This exceptional home has been beautifully updated throughout with quality finishes and thoughtful upgrades, including a remodeled kitchen. Nestled on a private 1.6-acre cul-de-sac lot at the back of the community, the property offers peaceful wooded views and plenty of space to enjoy. The stately exterior features a covered front porch, a low-maintenance wraparound deck with vinyl railings, a spacious multi-car driveway, and an oversized two-car side-load garage and EV charger. Level partial fenced yard—includes a charming koi pond and room to expand. Step inside to a dramatic two-story foyer with a curved staircase, leading to over 4,500 finished square feet of bright, open living space. The main level includes a private home office, formal living and dining rooms with hardwood floors and a bay window, and an eat-in island kitchen with recessed lighting and a large double-door pantry. The kitchen opens to a warm and inviting family room featuring built-ins, along with dual-zone heating for added comfort. The breakfast area includes a bonus sitting space and flows seamlessly into the expansive four-season sunroom with vinyl floors. Sunroom connects to both the breakfast area and formal dining room, creating an ideal layout for entertaining with unobstructed views of the yard and surrounding woods. Additional main-level highlights include a convenient half bath and a laundry/mudroom with a utility sink and direct garage access. Upstairs, the spacious owner’s suite features a large dual-entry walk-in closet and a luxurious end-suite bath, tub, separate shower, and double-sink vanity. Three additional generously sized bedrooms each offer walk-in closets. A hall bath with a new double-sink vanity and updated lighting, along with a hall closet, completes the upper level. The fully finished lower level provides even more living space, including a full bath, bar, and expansive recreation area—perfect for entertaining. A bonus room offers flexibility for a home gym, studio, or fifth bedroom. Walk-out access leads to a side patio and the fenced backyard. This home truly has it all—space, privacy, and upgrades in a prime location. Don’t miss your opportunity!
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.
