Introducing 2810 W Plum Hollow, an exceptional property offered for the first time. This meticulously maintained Nicolette model, cherished by its original owner, exemplifies pride of ownership and is situated in the prestigious Anthem Golf and Country Club. Enjoy a stroll through the charming front courtyard, upon entering the home you are welcomed into a formal living and dining room adorned with brand new hardwood floors. Large windows create a light and airy ambiance, enhanced by plantation shutters that provide elegance to the formal space. The kitchen is a chef's dream, featuring new raised Bosch dishwasher, new stainless steel appliances, and ample honey maple glazed cabinetry. The kitchen also features an extended island with a gorgeous granite countertops, shiplap accents, and easy access to an extended laundry room, which includes a sink, additional countertop, room for a refrigerator, and extra cabinet space. The kitchen seamlessly connects to a cozy breakfast nook, and a family room surrounded by large windows that invite warmth and light, plantation shutters, and complemented by a gas fireplace perfect for winter evenings. Step outside to discover a beautifully landscaped private backyard that borders a serene wash, providing added privacy. This outdoor oasis boasts a large extended stamped concrete patio and a built-in gas barbecue with an island extension and its own sink, creating an ideal space for entertaining family and friends. The primary bedroom is generously sized and features plush carpet along with an en suite bathroom that includes elegant Corian countertops, a separate shower and soaking tub, and a spacious walk-in closet. An additional split oversized bedroom includes its own remodeled full bathroom, complete with double closets. Two more bedrooms share a Jack and Jill bathroom, with one of the bedrooms featuring a walk-in closet. The three-car garage is equipped with an abundance of built-in cabinets, offering plenty of storage and room for all your vehicles. This home also features a brand new roof, a new water heater, new whole house soft water system, and newer air conditioning units, and home recently painted, ensuring comfort and peace of mind for years to come. Experience the prestigious Anthem Golf and Country Club, where luxury meets lifestyle. This exclusive community boasts two championship golf courses, complemented by two exceptional clubhouse facilities. Here, you can unwind by the serene Persimmon lap pool or indulge in relaxation at the Ironwood lounge pool and hot tubs. Stay active in state-of-the-art fitness centers or savor gourmet dining at our two exquisite restaurants. Challenge your friends to a game of Pickleball, Tennis, or bocce ball or jump into Zumba, Yoga or water aerobics. Don't miss this extraordinary opportunity to own a piece of luxury in a highly sought-after community.
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.
