Welcome to where timeless comfort meets stylish updates in this beautifully refreshed one-story home. Offering 4 bedrooms, 2.5 baths, 2 spacious living areas, and 2 dining spaces, this thoughtfully designed floor plan provides the perfect balance of openness, flexibility, and function.Inside, you’ll find a home that has been updated throughout with fresh, modern finishes and inviting living spaces. The main living area is warm and sophisticated, featuring all new flooring, a designer accent wall, and a new ceiling fan. A separate second living area or kids’ retreat offers endless possibilities for a media room, playroom, lounge, or private family space.The kitchen has been tastefully upgraded with a new sink, faucet, and backsplash, blending style and practicality for both everyday living and entertaining. The office has also been enhanced with a new ceiling fan, creating a comfortable and functional workspace.The bathrooms have been beautifully renovated with a spa-inspired feel. The primary bath is a true retreat with an updated walk-in shower featuring a rain shower head and body sprayers, along with new flooring, countertops, sinks, and faucets. The hall bath has also been refreshed with a new toilet, flooring, countertop, sink, and faucet, while the half bath includes a new toilet and flooring.Step outside to your own private backyard oasis, where the sparkling pool becomes the centerpiece for summer entertaining, weekend relaxation, and unforgettable gatherings. Whether hosting guests or enjoying a quiet evening at home, this outdoor space delivers the lifestyle buyers are looking for.Major recent improvements add peace of mind, including: 2026 – New HVAC 2025 – New garage door 2024 – New roof 2024 – New hot water heater With its extensive updates, versatile layout, elegant finishes, and pool, 210 Anns Way offers an exceptional opportunity to own a move-in ready home designed for both comfort and elevated everyday living.
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.
