Prepare to fall in love with a home that truly radiates pride of ownership at every turn. From the moment you step inside, you’ll immediately feel the warmth, care, and attention the sellers have poured into every detail — creating a space that is as beautiful as it is welcoming. The lucky new owners won’t just be buying a house… they’ll be inheriting a lifestyle of comfort, elegance, and effortless living.The main level showcases gorgeous LVP flooring throughout, paired with brand-new plush carpeting in the bedrooms for the perfect blend of style and comfort. The open-concept layout is absolutely ideal for both entertaining and everyday life, offering seamless flow between the living, dining, and kitchen spaces.At the heart of the home is a stunning kitchen designed to impress — complete with gleaming granite countertops, an oversized island, abundant cabinetry, expansive counter space, and a spacious walk-in pantry that makes organization a dream. The dining area features a beautiful custom built-in, adding both charm and functionality.The inviting living room is centered around a cozy gas fireplace, creating the perfect ambiance for relaxing evenings or gathering with family and friends.Retreat to the luxurious primary suite featuring an enormous walk-in closet and a spa-like ensuite bath with dual vanities and a thoughtfully designed private shower and toilet area for added comfort and convenience. Two additional bedrooms and a full hall bath on the main level provide plenty of space for family, guests, or home office needs.Upstairs, gorgeous wood stairs lead to an incredible bonus space that offers endless possibilities — media room, playroom, gym, office, or guest retreat. This level also includes two closets, a full bathroom, and an exceptionally spacious fourth bedroom with its own walk-in closet. Plus, all carpeting upstairs is brand new.The oversized garage offers ample room for vehicles, hobbies, storage, and includes generous overhead storage solutions.Step outside into the fully fenced backyard oasis featuring two separate concrete patio areas — ideal for entertaining, grilling, relaxing, or simply enjoying the outdoors. The yard offers the perfect balance of space and easy maintenance, with room to roam and enjoy. Double gate access on one side and a single gate on the other add both convenience and versatility.And to top it all off, the neighborhood itself is incredibly inviting, complete with sidewalks throughout — a charming and thoughtful touch that enhances the sense of community and makes evening strolls or morning walks even more enjoyable.This home is the total package — stylish, spacious, impeccably maintained, and ready to welcome its next chapter.- new roof 2022- new floors 2022- new HVAC 2022- new paint downstairs 2022-2025 - new fence 2022- new dishwasher 2022
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.
