Welcome to the jaw-dropping Clifton Park II, perfectly positioned in the prestigious Willowsford – The Greens, where timeless elegance meets modern luxury, with every detail thoughtfully curated to captivate even the most discerning buyer. From the very first moment, this residence makes a powerful impression. A grand 4-car garage equipped with 2 EV chargers sets the tone for elevated living, while the thoughtfully designed Friendship door entry creates a seamless flow between the garage, mudroom, second private office, and the heart of the home—offering both convenience and sophistication rarely found. Step inside, and you are immediately embraced by a sense of arrival. A majestic, magazine-worthy staircase rises gracefully, setting the stage for what unfolds within. To the left, an elegant sitting area invites meaningful conversations and refined gatherings, while to the right, a formal dining room awaits unforgettable dinners and celebrations. Just beyond, a beautifully appointed wine bar perfectly bridges the dining space and kitchen—designed for effortless entertaining. At the heart of the home lies a recently updated chef’s kitchen, a true statement of style and function. Featuring two oversized islands, top-of-the-line appliances, two sinks, two dishwashers, and a custom hood, this space is both breathtaking and brilliantly designed. It flows seamlessly into the dramatic two-story family room, where walls of windows flood the space with natural light and offer a stunning gallery view from above. The main level continues to impress with two private offices, ideal for today’s lifestyle, along with a guest suite with a full bath, an additional powder room, and a well-appointed laundry room. From here, step outside to an extraordinary outdoor retreat. The backyard is a true sanctuary, crafted for both grand entertaining and peaceful everyday living. A Flagship stone patio, built-in grill, and outdoor kitchen anchor the space, while a pergola-covered dining area creates the perfect setting for al fresco evenings. Surrounded by a lush, fenced lawn and open views, this outdoor experience feels both private and expansive. Upstairs, luxury continues with five exceptionally spacious bedrooms, each offering its own private ensuite bath and walk-in closet, ensuring comfort and privacy for every member of the household. The primary suite is a retreat of its own—generously sized, featuring an enormous walk-in closet and a spa-inspired bath complete with a tub, an oversized shower, and dual vanities designed for indulgence. The fully finished lower level elevates the home into a complete lifestyle experience. Designed for entertainment and relaxation, it features a full wet bar, a dedicated media room, a bonus room, a play area, and an additional bedroom with a full bath. A walk-up staircase provides seamless access to the backyard, enhancing both function and flow. Perfectly facing northeast, this home aligns beautifully with principles of light, energy, and harmony—an element deeply appreciated by those seeking not just a home, but a space that feels right in every sense. This is more than a residence—it is a statement. A home where luxury, comfort, and thoughtful design converge to create an extraordinary living experience in one of the region’s most sought-after communities. Willowsford Amenities 🏞️ Outdoor & Nature 40+ miles of trails across all villages (Greens, Grove, Grant, Grange) Lakes & ponds (Willow Lake, Pin Oak Pond) Kayaking & canoeing on Willow Lake Scenic farmland, meadows & preserved open space Campground (Grant Family Campground) 🏡 Clubhouses & Gathering Spaces The Lodge at Willow Lake Sycamore House (signature event venue) Bear Barn Tree House White Oak Tree House Log Cabin Tree House Pavilions & reservable event spaces 🏊 Pools & Water Features Resort-style pools (Sycamore Pool, Lodge Pool) Splash parks / Spray-n-Play areas Willow Lake recreation area And Much MORE!!!
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.
