**OPEN SUNDAY 12:00–3:00 PM** Exceptional One-Level Living in Sought-After Arora Hills Offered for the first time by its original owner, this extensively updated and customized Ryan Homes "Cortland" model offers over **4,700 square feet of finished living space** across three levels and backs to mature trees and a peaceful creek setting.--A truly rare find, this home features **7 bedrooms and 5 full bathrooms**, including main-level living accommodations designed for comfort and accessibility. More than **$250,000 in recent improvements** include: * **New Roof (2025)** * **New Completely Renovated Kitchen (2026)** with walk-in pantry * **New Main-Level Reconfiguration (2026)** featuring a new full bath with a zero-threshold walk-in shower * **New [2] HVAC Systems (2023)** * **New Water Heater (2023)** * **New Fence (2025)** * **Screened Porch & Deck Addition (2021)** Step inside to a dramatic two-story foyer and discover a flexible main level featuring two bedrooms—ideal for guests, multigenerational living, or convert one to a private home office. The fully renovated main-level full bath showcases custom tile work and an oversized walk-in/roll-in shower, making true one-level living possible. ----The stunning designer kitchen offers a Pottery Barn-inspired aesthetic with blue-gray cabinetry, coordinating blue backsplash, granite countertops, recessed lighting, custom finishes, and black stainless GE Profile appliances. The adjoining family room features a cozy gas fireplace and overlooks the tranquil rear yard. ---Upstairs, you'll find four spacious bedrooms and three full bathrooms. The luxurious owner's suite serves as a private retreat, complete with a freestanding soaking tub, frameless glass shower, dual-sink vanity, and spa-inspired finishes. ---The walk-out lower level provides exceptional versatility with a fully equipped in-law suite kitchen, creating the potential for independent living quarters, guest accommodations, or extended family space. Outdoor living is equally impressive, featuring: * Welcoming front porch * Screened porch and expansive deck * Rear hardscape patio * Hot tub * Private fenced backyard backing to trees and creek ----Additional features include a front-loading two-car garage with extra refrigerator, built-in shelving, and EV charging station. ---Located just one block from one of the the community pools and clubhouse, Arora Hills offers an exceptional lifestyle with two community pools, walking trails, playgrounds, and abundant green space. Enjoy easy access to Ovid Hazen Wells Park, featuring ballfields, open recreational areas, and the beautifully restored historic carousel. **Welcome Home to Arora Hills.**
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.
