THE ONLY PREMIER VIEW LOT IN SHAMROCK VILLAGE!! This stunning 2-story home offers over 3,000 square feet of thoughtfully designed living space, blending modern functionality with high-end upgrades throughout. Positioned on a premium west-facing lot, enjoy added privacy, breathtaking sunsets, and a fully landscaped backyard built for both relaxation and entertaining. Inside, the home features 4 bedrooms, 3 full bathrooms, and a dedicated front office, along with multiple living areas, including upstairs loft, and an open-concept layout ideal for everyday living. The kitchen is anchored by a custom coffee bar, step in pantry, and flows seamlessly into the main living space, creating a warm and inviting place for all your family and friends. The oversized 3-car garage is a true standout, featuring an extra-deep third bay and over 1,400 square feet of space-perfect for vehicles, storage, or hobbies. One of many upgraded design features includes remote-controlled two-story window shades, adding both convenience and a dramatic visual element while enhancing light control and energy efficiency. Beneath the home, you'll find a rare and highly functional storage space: a massive, fully accessible crawl space offering nearly 1,000 square feet of clean, usable storage-an uncommon advantage in this area. Extensive exterior upgrades include nearly $30,000 in added concrete, with an expanded driveway, RV pad, additional off-street parking, and a backyard fire pit area-creating both convenience and an ideal setting for entertaining. There is also conduit ran beneath the concrete for future use to run power to a hot tub. Smart home features are integrated throughout, including Honeywell smart thermostats, MyQ garage controls, B-hyve smart irrigation, Moen smart water shutoff, Ring security system, fiber internet, automated blinds, and smart exterior lighting with permanent holiday lighting. Additional highlights include dual HVAC systems (one for each level, 2 thermostats), upgraded lighting and ceiling fans, blackout bedroom blinds, a fully painted garage, and pre-installed backyard conduit for future enhancements. The home also offers three walk-in closets and four linen closets. This is a rare opportunity to own a fully upgraded home where the work has already been done-inside and out. This is better than new construction! Square footage figures are provided as a courtesy estimate only and were obtained from county records. Buyer is advised to obtain an independent measurement.
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.
