Welcome to your dream home in the highly sought-after Twin Lakes community—where luxury, efficiency, and lifestyle come together in one exceptional package. This better-than-new home offers one of its most valuable upgrades right from the start: a fully paid-in-full $30,000 solar panel system already attached to the home, delivering significant long-term energy savings, increased efficiency, and a major financial advantage for the next owner with no solar payment to assume. Unlike new construction, this meticulously maintained home is completely move-in ready, with all premium upgrades already completed. From the moment you step inside, you’ll appreciate the fresh interior and exterior paint, upgraded contemporary lighting, designer ceiling fans, and durable luxury vinyl plank flooring that create a modern, polished feel throughout. The open-concept floor plan is designed for both everyday living and entertaining, centered around a chef-inspired kitchen featuring a spacious oversized island with breakfast bar seating, light gray soft-close cabinetry, upgraded gold hardware, granite countertops, an exotic stone backsplash, and a premium pull-out swivel sprayer faucet. Every detail was intentionally selected for both beauty and function. The spacious primary suite and two additional bedrooms offer comfort, style, and custom touches including designer accent walls and beautifully appointed bathrooms that provide a spa-like feel. Additional smart-home enhancements include a fully integrated ADT security system with three cameras, adding peace of mind and convenience. Step outside to your private covered patio retreat, complete with charming vintage Edison LED string lighting—perfect for relaxing or entertaining year-round. Located in one of the area’s most desirable and fast-growing communities, Twin Lakes is known for its incredible neighborhood atmosphere, resort-style amenities, and strong sense of community. Residents enjoy access to a sparkling community pool, tennis courts, playgrounds, scenic walking areas, and beautifully maintained common spaces designed to bring neighbors together. Even better, this home is located in a top-rated, highly desirable school district, making it an ideal choice for families seeking both excellence in education and an elevated lifestyle. Why wait on new construction or pay extra for upgrades when this home already offers them all—including one of the biggest investments a homeowner can make with fully owned solar? Experience the perfect combination of luxury, savings, security, and community—all in one place.
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.
