Welcome to this beautifully maintained single-story home in the only gated section of the community, where thoughtful upgrades and everyday comfort come together in a seamless open layout. From the moment you arrive, the manicured lawn, landscaping, widened driveway, and upgraded front door create standout curb appeal. Inside, you're welcomed by high ceilings and an open-concept design that flows effortlessly through two spacious living areas and a dedicated dining space, ideal for both entertaining and everyday living. The island kitchen serves as the heart of the home, featuring high end appliances, gas cooking, a walk-in pantry, and a layout designed for gathering and connection. The private primary suite offers a relaxing retreat, while two secondary bedrooms are thoughtfully positioned alongside a versatile flex space-perfect for a family room, home office, study, or additional living area tucked away for added privacy. Throughout the home, you'll find durable ceramic tile and laminate flooring, solid countertops, and accessibility-focused features including no steps, wide hallways, and a functional single-level layout. Step outside to experience a true backyard retreat designed for year-round enjoyment, complete with a heated and cooled in-ground pool, an expanded covered patio, and a custom outdoor fireplace that creates the perfect setting for relaxing evenings or weekend gatherings. Additional outdoor enhancements include a gazebo, storage sheds, sprinkler system, and extensive landscaping that transforms the space into a private oasis. The garage is equipped with a mini-split system, offering a comfortable, conditioned workspace. The home also features energy-efficient upgrades including foam insulation, a programmable thermostat, and high-efficiency systems. Community amenities include a pool, park, and trails, this home offers a unique blend of privacy, comfort, and lifestyle. This is 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.
