Fantastic opportunity to own this beautifully maintained, single-story solar home offering 2,952 square feet of living space on an expansive nearly 14,000-sq-ft lot. Located within the gated Province neighborhood of Audie Murphy Ranch, this highly desirable 4-bedroom, 3-bath residence combines comfort, functionality, and exceptional outdoor living. The thoughtfully designed open-concept floor plan centers around a gourmet chef’s kitchen featuring a large quartz island, Dacor double ovens, a newer dishwasher, and convenient pull-out cabinetry for pots and pans. The kitchen seamlessly flows into the spacious family room and dining area, creating the perfect setting for everyday living and entertaining. The private primary suite offers a true retreat with an oversized bedroom, spa-inspired bathroom featuring dual vanities, a soaking tub, separate shower, built-in linen, and an expansive walk-in closet. All secondary bedrooms include ceiling fans and walk-in closets, while two bedrooms share a well-appointed Jack & Jill bathroom. Additional interior features include wide hallways, tall ceilings, recessed lighting, dual zoned AC, and luxury vinyl plank flooring throughout. Enjoy year-round outdoor living in the California Room, complete with an automatic patio screen. The professionally designed backyard features a spacious gazebo with ambient string lighting, two louvered patio covers for shade and weather protection, terraced landscaping with easy-access steps, raised garden planter boxes, and a fully automated B-hyve irrigation system. Mature fruit trees and vines—including tangerine, orange, lemon, kumquat, and grape varieties—create a private garden oasis. The garage has been professionally upgraded with additional electrical outlets and its own mini-split heating and cooling system, making it an ideal workshop, gym, or hobby space. Energy efficiency and convenience abound with a fully paid solar system including two backup batteries, helping keep utility costs low. Additional upgrades include a widened driveway, custom wrought-iron side gate for easy backyard access, extra concrete hardscaping, low-maintenance artificial turf, and two storage sheds. Residents enjoy access to resort-style community amenities including pools, spas, clubhouse, sports courts, skate park, biking and hiking trails, and award-winning schools. Conveniently located between the I-15 and I-215 freeways, this exceptional home offers the perfect blend of luxury, space, and lifestyle.
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.
