An extraordinary opportunity to own this spectacular one-of-a-kind custom contemporary brick bi-level home offering over 3,000 square feet of exceptional living space, perfectly positioned on a breathtaking golf course setting. Designed for those who appreciate distinctive architecture and remarkable entertaining spaces, this 4-bedroom, 2.5-bath residence is unlike anything else on the market. A beautifully landscaped courtyard welcomes you with colorful flowers, lush greenery, and a peaceful sitting area that creates a warm and inviting first impression. Inside, the impressive foyer with custom ceramic floors opens to a thoughtfully designed floor plan that combines elegance, comfort, and functionality. The dramatic living and dining rooms are truly the centerpiece of the home, featuring soaring floor-to-ceiling windows that frame spectacular golf course views while filling the home with natural light. A striking wood-burning fireplace set against a beautiful brick wall creates the perfect gathering space for family and friends. The oversized kitchen is every cook's dream, offering granite countertops, abundant cabinetry, recessed lighting, breakfast bar, generous table space, and all appliances included. Sliding doors open to an impressive 60-foot covered balcony extending across the back of the home, providing seamless indoor-outdoor living and incredible views of the professionally landscaped backyard and the golf course. The spacious primary suite is a private retreat featuring floor-to-ceiling windows, balcony access, a dressing area, mirrored closets, a double vanity, and a luxurious sunken whirlpool tub with a separate shower. The second bedroom also features floor-to-ceiling windows with access to the charming front courtyard. A second full bath includes another relaxing sunken whirlpool tub, adding comfort and style for family or guests. The expansive walkout lower level offers endless possibilities with a huge family room highlighted by a second wood-burning fireplace, floor-to-ceiling windows, patio doors leading to a beautiful brick paver patio, a wine cellar, an additional versatile room perfect for a fourth bedroom, home office, fitness room, or den. Step outside to enjoy the fenced backyard with beautifully landscaped walkways, mature greenery, and direct golf course views that provide a peaceful and picturesque setting year-round. Additional highlights include a brand-new furnace and brand-new central air conditioner with four zoned system, four year roof, main-floor laundry with pantry/storage area, security system, attached two-car garage, and exceptional closet and storage space throughout. Homes of this caliber, with this architectural character, over 3,000 square feet of living space, and an unmatched golf course location, rarely become available. This is more than a home-it's a lifestyle. Schedule your private showing today before this remarkable property is gone!
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.
