From the moment you arrive, you'll appreciate the care and pride of ownership reflected throughout this well-maintained pool home. Mature landscaping, refreshed planting beds, and inviting curb appeal create a welcoming first impression before you even step inside. Inside, warm wood beams, a striking brick accent wall, and custom built-ins create character and charm that are difficult to find in today's homes. The spacious bedrooms offer room to spread out, while the thoughtful floor plan provides flexibility for a variety of lifestyles. An oversized laundry room and a kitchen featuring two ovens add to the home's functionality for both everyday living and entertaining. Perhaps the home's most unique feature is the converted garage space, complete with extensive cabinetry, a sink, refrigerator, microwave area, and two built-in workstations. Whether you envision a home office, hobby space, study area, craft room, game room, or simply incredible storage, this versatile area offers endless possibilities. Step outside to your own private backyard retreat featuring a screened patio, in-ground pool, privacy fencing, and a storage building perfect for lawn equipment, pool supplies, and additional storage. Whether hosting family and friends or simply enjoying a quiet evening at home, this outdoor space is designed to be enjoyed year-round. From the moment you arrive, you'll appreciate the care and pride of ownership reflected throughout this well-maintained pool home. Mature landscaping, refreshed planting beds, and inviting curb appeal create a welcoming first impression before you even step inside. Inside, warm wood beams, a striking brick accent wall, and custom built-ins create character and charm that are difficult to find in today's homes. The spacious bedrooms offer room to spread out, while the thoughtful floor plan provides flexibility for a variety of lifestyles. An oversized laundry room and a kitchen featuring two ovens add to the home's functionality for both everyday living and entertaining. Perhaps the home's most unique feature is the converted garage space, complete with extensive cabinetry, a sink, refrigerator, microwave area, and two built-in workstations. Whether you envision a home office, hobby space, study area, craft room, game room, or simply incredible storage, this versatile area offers endless possibilities. Step outside to your own private backyard retreat featuring a screened patio, in-ground pool, privacy fencing, and a storage building perfect for lawn equipment, pool supplies, and additional storage. Whether hosting family and friends or simply enjoying a quiet evening at home, this outdoor space is designed to be enjoyed year-round. Recent updates provide peace of mind, including a roof replaced in 2022, both HVAC systems replaced in 2021, water heater replaced in 2026, new carpet installed 2026 and fresh interior paint throughout. If you're looking for a home with character, functionality, and flexible spaces that adapt to today's lifestyles, this one is a must-see.
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.
