Welcome to 21836 Country Meadows, an exceptional 2021-built home that perfectly blends modern design with peaceful country living. Situated on a beautifully maintained 1-acre fenced lot, this property offers both privacy and space while maintaining a warm, inviting atmosphere. From the moment you arrive, you’ll be drawn in by the home’s picture-perfect curb appeal, featuring clean architectural lines. Step inside to an immaculate interior where every detail has been thoughtfully designed. Just off the entry, the dining room makes a statement with its painted wood accent wall, creating a stylish and welcoming space for gatherings. The living room showcases stunning wood beam accents, a cozy center fireplace, and custom built-ins that add both charm and functionality. The open-concept design flows seamlessly into the kitchen, where you’ll find custom cabinetry, a gas range, and a spacious hidden walk in pantry. The primary suite is conveniently located off the kitchen along with a dedicated technology room which is ideal for a home office, workspace, or flex area. The master bedroom is a true retreat, featuring wood-accented ceilings and a sliding barn door leading into the luxurious ensuite bath, complete with a walk-in shower, standalone soaking tub, and an oversized closet with built-ins. Two generously sized bedrooms with walk in closets, share a well-appointed bathroom. A fourth bedroom includes its own ensuite bath and private exterior access, making it perfect for multigenerational living. Step outside to enjoy covered patio which offers ample space for outdoor dining and lounging. The backyard is truly the highlight of this property, featuring a stunning pool with an attached hot tub and slide—perfect for entertaining or relaxing in your own private oasis. This home combines thoughtful design, high-end finishes, and incredible outdoor living—all in a serene country setting. Don’t miss the opportunity to make it yours.
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.
