Rare 3-bedroom-down Highland Home in Star Trail, almost 4,000 sq ft on an oversized lot. Built in 2022 and recently refreshed, this 5-bedroom, 4-bath home blends elevated finishes with warm, everyday comfort. Located in highly sought-after Star Trail, residents enjoy resort-style pools, tennis and pickleball courts, a clubhouse, scenic trails, playgrounds, and year-round community events. From the moment you arrive, the painted brick exterior, cedar garage doors, & manicured landscaping create timeless curb appeal. Inside, rich wood floors, soaring ceilings, & abundant natural light set the tone for the home’s bright and inviting design. At the center of the home, the chef’s kitchen was designed for gathering. An oversized quartz island anchors the space alongside upgraded stainless appliances, double ovens, beautiful cabinetry, a walk-in pantry, built-in wine storage, & statement lighting. The open-concept layout flows seamlessly into the living and dining areas—perfect for everyday living & effortless entertaining. The private primary suite is tucked away for privacy, featuring dual sinks, a soaking tub, and frameless glass shower. Two additional bedrooms are located on the first floor, including one with a private en-suite bath—creating a highly sought-after three-bedroom-down layout ideal for guests, extended family, or multi-generational living. A dedicated media room downstairs offers the ultimate movie-night, while the private study with built-ins provides a quiet work-from-home space. Upstairs, spacious secondary bedrooms and large game loft create the perfect play or hangout zone. One bedroom also features a private en-suite bath, making it ideal for teens or long-term guests. Step outside to the pool-sized backyard with endless potential—perfect for a future pool, outdoor kitchen, or expanded play space. The epoxy-coated 3-car garage and abundant storage make everyday living organized and easy. Homes with this layout in Star Trail rarely become available.
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.
