Welcome to 22515 Heatherwoode—where comfort, style, and thoughtful design come together in a beautifully maintained home. From the moment you arrive, you’ll appreciate the inviting curb appeal, enhanced by a charming paver walkway that lines the driveway and adds to the home’s polished exterior. Inside, hardwood flooring flows throughout most of the home, creating warmth and continuity as natural light fills the well-proportioned living spaces. The layout offers both functionality and a refined atmosphere, ideal for everyday living and effortless entertaining. The main living areas feature a seamless, open feel that makes gathering easy and comfortable. The kitchen is designed with both convenience and aesthetics in mind, offering ample cabinetry, generous counter space, and a layout that connects smoothly to the dining and living areas. Whether preparing a quiet meal or hosting guests, this space supports a variety of lifestyles with ease while maintaining a welcoming, central presence in the home. Upstairs, the private living quarters provide a relaxing retreat. The primary suite is thoughtfully designed and features an impressive custom closet system with an attached bath, creating a true sanctuary feel. An additional bedroom also offers a built-in closet system, adding organization and functionality. Each room is versatile and well-appointed, suitable for restful sleeping quarters, a home office, or additional living space. Consistent upkeep and attention to detail throughout make this home truly move-in ready. Step outside to enjoy a peaceful backyard setting highlighted by a beautiful paver patio—perfect for relaxing evenings, outdoor dining, or entertaining guests. The backyard offers space to unwind, garden, or host gatherings in a private setting. Conveniently located near local amenities, shopping, dining, and major thoroughfares, 22515 Heatherwoode presents an exceptional opportunity to enjoy a well-balanced lifestyle in a desirable location.
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.
