Welcome to your private country retreat—where modern updates, functional space, and outdoor living come together on nearly 2 acres of serene, open landscape. Situated on 1.88 acres with a peaceful rural setting, this all-brick ranch offers the perfect blend of comfort, privacy, and thoughtful upgrades, all while maintaining convenient access to nearby amenities. From the moment you arrive, you’ll appreciate the improvements that set this property apart, beginning with the asphalt driveway (2021) and expansive setting surrounded by mature trees, including beautiful pecan and mature maple trees. A black aluminum fence encloses approximately 1 acre, creating a defined and private outdoor living space ideal for relaxation, pets, or entertaining. Step inside to find a spacious main level designed for both everyday living and gathering. The oversized living room features a cozy fireplace and updated LVP flooring installed over the original hardwood—offering both modern durability and the option to restore the home’s classic character. Fresh paint, updated trim, refinished doors, and updated lighting throughout the main floor provide a clean, cohesive, and move-in-ready feel. The fully transformed kitchen is a true highlight, featuring refinished cabinetry (2026), quartz countertops, ceramic tile flooring, stainless steel appliances, and convenient pocket doors. The adjoining breakfast room offers the perfect spot to start your day while enjoying views of the surrounding property. The main level layout has been thoughtfully reconfigured to maximize space, now offering three generously sized bedrooms, each with ample room and flexibility. The full bathroom features dual vanities and a tub/shower combination, designed to accommodate both comfort and functionality. The lower level expands your living space significantly, offering a nearly fully finished basement with endless possibilities. A large recreation room provides the perfect setting for entertaining, hobbies, or a media space. The laundry has been relocated to the lower level for added convenience, and the basement remodel includes removal of drop ceilings to create a more open and modern feel. You’ll also find a massive bonus room with a walk-in closet and full bathroom, ideal for guests, extended living, or a private suite. Additional spaces include a dedicated office, second bonus room, utility area, and ample storage. Outdoor living is where this property truly shines. The newly added saltwater inground pool creates a private oasis, complete with surrounding patio space, cover, and included furnishings—perfect for summer gatherings or quiet evenings under the stars. The fenced area enhances both privacy and usability, while the surrounding acreage offers open views and a sense of space rarely found. Pool will be opened in April as weather and Seller schedule allows. Additional features include a large attached two-car garage with abundant workspace, connected to the home via a functional mudroom breezeway. The roof was replaced in 2020, and the propane tank—currently estimated at 70% full—will be included at no cost to the buyer. Oversized gutters, a storm door, and access to fiber internet further enhance the home's practicality and efficiency, making remote work seamless. This property offers a rare opportunity to enjoy updated country living with space, privacy, and modern conveniences already in place. Whether you're looking to entertain, relax, or simply enjoy the quiet of rural surroundings, this home delivers on every level. Fiber internet available at property. Appraisal completed & met list price 4/2026.
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.
