Welcome to this stunning solid-brick home tucked in a quiet cul-de-sac with a private backyard oasis and magnificent views atop Pasour Mountain in Gaston County. Easy access to Charlotte, Hickory and Lake Norman. This thoughtfully updated home with modern finishes, custom craftsmanship, and exceptional outdoor amenities, delivers comfort, style, and true retreat-style living. Step inside to an inviting two-story foyer, highlighted by oversized decorative molding and an elegant iron stair railing. The main level features hardwood floors, modern lighting, plantation shutters and an open flow from the living room to the kitchen and out to the screened porch—perfect for everyday living or entertaining. The living room includes a gas fireplace with built-ins, while the kitchen offers white cabinetry, granite countertops, stainless steel appliances, slate ceramic tile flooring, and a walk-in pantry with custom shelving and automatic lighting. A custom island with a hand-made live-edge wood top, built-in drawers, extra storage, and electrical access anchors the space beautifully. Upstairs, retreat to the luxurious primary suite featuring a double tray ceiling with recessed lighting, a private sitting room/flex space, and an oversized spa-like bathroom with a built-in vanity, backlit mirror, jetted tub, and separate shower. The closet is your own dressing room too. Split bedroom plan has two other bedrooms that share a hall bathroom to complete the upstairs. Step outside to the WOW factor with your personal resort-style backyard. Enjoy a screened-in porch with attached Trex deck and lighting, overlooking a meticulously designed custom landscape with wired lighting along the home and retaining wall. An incredible outdoor kitchen elevates the entertainment experience with granite countertops, sink, built-in Green Egg, and Blackstone grill—perfect for hosting gatherings or enjoying peaceful evenings at home. A dedicated pool house provides a refrigerator, cabinets, toilet, and sink, adding convenience to your pool oasis. The impressive Anthony Sylvan in-ground pool completes your outdoor experience with PebbleCrete and travertine finishes, stone waterfall, tanning ledge with umbrella inserts, and in-pool seating area. The new 20x20 wired and insulated workshop (2025) sits on a concrete foundation with both a roll-up door and other entry. Additional highlights include: • Beach house shake cedar composite exterior • Finished attached garage with epoxy flooring and overhead storage with assistant lifts. • Your own chicken coop ready for fresh eggs daily • Private cul-de-sac setting with serene long range mountain views This exceptional property blends luxury, craftsmanship, and unmatched outdoor living. Come see your DREAM home!
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.
