Welcome to luxury living in the highly sought-after Master Planned Community of Verrado, where timeless architecture meets modern comfort in this stunning 5-bedroom, 3.5-bathroom home with an expansive upstairs loft. Thoughtfully designed for both everyday living and elegant entertaining, this residence offers refined finishes, flexible spaces, and a resort-style backyard that truly sets it apart. From the moment you arrive, the inviting front veranda and extended custom paver driveway create exceptional curb appeal. Inside, hardwood flooring, custom interior lighting, decorative wood finishes, and an interior gas fireplace provide warmth and sophistication throughout the main living spaces. Custom ceiling fans enhance comfort, while abundant storage adds everyday convenience. The upstairs loft offers a versatile space perfect for a media room, play area, or secondary living room. Plus, enjoy long-term energy savings with pre-paid solar already in place. The heart of the home is the chef-inspired kitchen, featuring dual islands, granite countertops, upgraded cabinetry, and extensive storage designed to handle everything from casual meals to large gatherings. A butler's pantry adds functionality, while gas cooking and a private dining room complete this exceptional culinary space. Retreat to the luxurious owner's suite, where a spa-like bathroom awaits with an oversized walk-in shower, freestanding soaking tub, double sink vanities, and a separate beauty vanity. An additional owner's retreat flex-room offers endless possibilitiesideal for a home office, fitness area, or private sitting room. Step outside to your own backyard oasis, designed for year-round enjoyment and entertainment. Relax in the heated pool and spa with water features, gather around the grand outdoor fireplace, or enjoy evenings under the covered patio entertainment area. Striking copper pot gas flame features add dramatic ambiance, while the massive irrigated planter enhances the lush, resort-like setting. Living in Verrado means enjoying unmatched community amenities, including resort-style pools and splash pads, fitness centers and clubhouses, championship golf courses, and miles of scenic walking, hiking, and biking trails. With parks, playgrounds, on-site schools, and Main Street's shops, dining, and year-round community events, Verrado offers a true lifestylenot just a place to live. This exceptional home delivers luxury, functionality, and the vibrant Verrado lifestyle all in one remarkable package.
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.
