This exceptional, fully renovated home offers nearly 5,000 square feet of finished living space and a rare combination of privacy, flexibility, and resort-style amenities. With six bedrooms, four full bathrooms, two complete kitchens, multiple living areas, a dedicated gym space, and an expansive finished walk-out basement, the layout is ideal for multigenerational living, hosting guests, or simply enjoying room to spread out in comfort. The primary suite is conveniently located on the main level, providing an ideal retreat with the ease of one-floor living. The open main-level design is centered around a beautifully updated kitchen with an oversized island, generous pantry space, and all new modern appliances, making it the perfect gathering place for everyday life or entertaining. Upstairs, you’ll find additional private living space with two more bedrooms, a full bath, and a versatile bonus area—perfect for a playroom, lounge, home office, or guest wing. The home also offers impressive storage throughout, ensuring everything has its place, from everyday essentials to seasonal items. The lower level has been thoughtfully remodeled to add even more heated and cooled living space, offering endless possibilities for recreation, extended living, or private guest quarters. Throughout the home, tasteful finishes, updated lighting, fresh paint, and refined details such as French doors and upgraded bathrooms give the property a polished, move-in-ready feel. Lower level features unfinished space for additional storage, workshop or the ability to tailor to your specific needs. Outside, the setting is truly special—surrounded by woods on three sides, offering a sense of seclusion while still being just minutes from shopping, dining, and quick access to I-85. The backyard is designed for enjoyment year-round, featuring an in-ground pool, hot tub, an extended covered porch, and a remodeled cabana with power—perfect for relaxing or entertaining. The fully fenced yard, improved landscaping, and enhanced drainage add both beauty and function to the outdoor space. Beyond its incredible size and lifestyle features, this home also offers the reassurance of major system improvements, including NEW HVAC, a NEW roof, upgraded electrical service, NEW tankless water heater, and countless thoughtful enhancements that make daily living easier—right down to the full camper hookups w/ water, sewer, electrical and EV charging. Zoned for both residential and commercial use, this property is as versatile as it is impressive. This is a rare opportunity to own a completely updated home with this much space, privacy, and convenience
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.
