Welcome home to a fully updated home on a Cul-de-Sac. Every detail has been meticulously updated to offer modern luxury, comfort, and state-of-the-art features. The heart of the home is the redesigned kitchen, which offers additional space and counters, all topped with elegant granite. Cooking is a joy with a hands-free faucet, built-in microwave, and all major appliances (fridge, dishwasher, stove) new within the last few years (2021-2026). Custom features include a wine fridge, soft-close drawers and cabinets, Amazon-enabled lights, and a charming breakfast nook with built-in storage. The home features three masterfully renovated bathrooms.The master bath is a spa-like retreat with a new layout, modern sinks with marble countertops, and a stunning walk-in shower featuring granite,glass, and natural stone tile. The shower is ADA accessible and includes multiple heads, like a rain shower. You'll also find a luxurious soaking tub with a floor faucet, a separate renovated toilet room with an upgraded toilet and bidet, and new lighting. The second upstairs bathroom is renovated with marble finishes, dual sinks, a custom walk-in shower with dual heads including a rain shower, a pressure-assisted toilet with a bidet, and new automatic lights. The downstairs powder room offers a pressure-assisted toilet with a bidet, a new sink, and beautiful mosaic glass and stone flooring. The bedroom suites have been thoughtfully updated for storage. The primary master now boasts two walk-in closets, and the second largest bedroom has an additional walk-in closet, totaling three spacious walk-in closets. Enjoy the cohesive look of wood floors throughout the entire downstairs and upstairs hallway, complemented by new carpeting in the upstairs bedrooms. The home has been optimized with additional built-in storage in previously unused wall spaces (pantry, bedrooms, kitchen). New lighting fixtures and fans have been installed throughout, with updated hallway lighting featuring a stylish Tiffany-style pattern. The living room is wired for surround sound. Automated lights are found in all closets, the second full bath, half bath, and laundry room. This home offers unparalleled curb appeal and durability with significant recent updates: The entire exterior of the house was treated with a durable Rhino Shield paint in 2025 (25-year warranty). Includes a new roof (2020), a new back deck patio, a refinished front door, and a back storm door with a closable pet entrance. Gutters and gutter guards were installed in 2015. The garage is a functional extension of the home with a polyaspartic coated floor (2022) resistant to impacts and stains, climate control (2022), additional electric for tools/gaming, and app-enabled garage doors. The screen porch features built-in Bose speakers. Security is enhanced with Ring cameras and security lights at the back door and driveway, and a Ring camera doorbell at the front. The yard features additional hedges for backyard privacy, and a pre-wired Invisible Fence (2018) for dogs (front and back yards wired separately). All windows (2014-2015) are new, hurricane-rated, and energy efficient. The HVAC systems are Trane units (downstairs: 2015, upstairs: 2018), and a new water heater was installed in 2025. Stay connected with an AT&T fiber direct line and network cables installed in most rooms for fast internet. This is more than a home--it's a completely upgraded lifestyle ready for you to move in and enjoy. Brickyard is known for it's incredible amenities. There is a deep water boat landing and dock, boat storage for an extra fee, miles and miles of bike paths, tennis courts, a full basket ball court and a soccer field. This neighborhood has a lovely clubhouse available to Brickyard residents, a active social committee and two amazing pools that host the Brickyard Barracuda swim team.
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.
