HARVEST GLEN SHOW STOPPER! 5 Bedrooms~ 4 baths~ 3 CAR GARAGE. Welcome to one of Harvest Glen's most impressive homes. A rare opportunity to own a beautifully updated residence situated on an oversized lot in one of the area's most sought-after communities. From the moment you step inside, you'll be captivated by the grand dual staircase, soaring spaces, and thoughtfully designed floor plan that effortlessly blends elegance, comfort, and functionality. Offering over-the-top living space with 5 bedrooms, 4 full baths, and a 3-car garage, this home checks every box on today's buyer's wish list. The stunning chef's kitchen was completely remodeled in 2020 and serves as the heart of the home, showcasing gorgeous granite countertops, custom soft-close cabinetry, stainless steel appliances, and a spacious eating area with breathtaking views of the backyard oasis. Whether you're hosting holiday gatherings or enjoying your morning coffee, this space was designed to bring people together. The main level features gleaming hardwood floors, formal living and dining rooms, a spacious family room with a cozy gas fireplace, a convenient first-floor bedroom ideal for guests or related living, and a large laundry room complete with built-in shelving and utility sink. Upstairs, a versatile loft overlooks the home's impressive layout and provides the perfect flex space for a home office, media room, or play area. Retreat to the luxurious primary suite featuring a spa-inspired ensuite bath, dual vanities, two walk-in closets, and the perfect setting to unwind after a long day. Three additional generously sized bedrooms complete the upper level. The entertainment possibilities continue in the finished basement, where family and friends will gather around the built-in fireplace for movie nights, game days, and celebrations. The pool table stays, making this incredible space move-in ready for endless memories. Step outside and discover your own private retreat. The expansive backyard offers room to play, entertain, and relax while enjoying the patio, pergola, and beautifully maintained grounds. A storage shed provides additional space for all your outdoor needs. The best part? The expensive updates have already been completed for you: New Furnace & A/C (2025) New Fence (2025) New Injector Pump (2024) Roof (2019) Kitchen Remodel (2020) Updated Bathroom (2020) New Carpet (2020) Sump Pump (2020) Homes with this combination of size, condition, upgrades, and location rarely become available in Harvest Glen. Luxury, space, and peace of mind await the next fortunate owner. This is more than a home-it's where your next chapter begins.
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.
