Come on in! This Sunset Bluffs beauty delivers the rare combination buyers are always hoping to find: Homes by Dickerson quality, more than $200,000 in thoughtful improvements, a private wooded backdrop, trail access, and a finished daylight basement that truly changes how the home lives. Built in 2019 and set against trees and green space, the home offers over 4,000 square feet with a true five-bedroom, five-full-bath layout designed for flexibility, comfort, and everyday connection. A rocking chair front porch opens to a tall, light-filled foyer and flexible front living space before leading into the heart of the home: a beautifully connected kitchen, family room, breakfast area, and enclosed sunroom-style retreat overlooking the private rear setting. The main level also includes a full guest suite, built-in drop zone, and a garage that feels anything but ordinary. With upgraded specialty flooring, extensive built-in cabinetry, and a polished, highly organized finish, this space lives more like an extension of the home than a utility area. Upstairs, the private primary suite is joined by two additional bedrooms, a full bath, laundry room, and a large bonus room with glass French doors — ideal as an office, playroom, media space, or teen hangout. The finished daylight basement is the showstopper. With soaring 10.8-foot ceilings, it feels bright, open, and far more elevated than typical basement square footage. Designed for entertaining, movie nights, game days, guests, and everyday fun, it offers a fully wired media area with surround sound, a secondary lounge or game space, wet bar with wine fridge, wine/storage closet, full bath, and private guest bedroom. The custom-fit Liberty safe makes this room especially well suited for a private office, hobby space, or secure storage. French doors open from the basement to an expansive bluestone patio with a meandering path to the fire pit area, built-in seating, extensive landscaping, and a custom matching shed — all framed by a naturally private backdrop that makes the outdoor living space feel like its own retreat. With refined interiors, flexible living spaces, a rare finished basement, and a setting that connects beautifully to nature, this is a standout Sunset Bluffs opportunity designed for gathering, relaxing, entertaining, and everyday life.
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.
