Live where it feels like you’re always on vacation! Set inside the highly sought-after Heartland Community, this 2019-built stunner delivers a lifestyle that feels effortless, elevated, and just a little indulgent. From morning walks along winding trails, afternoons at multiple swim parks—including a full-on water park experience with slides, fishing ponds, neighborhood events from BBQ's to fireworks. This home makes a statement with its multi-dimensional brick and stone elevation—rich in texture and presence. Enter through the custom wood front door with glass accents and you’re greeted by architectural details like sweeping grand arches, soft curved corners, and multi-dimensional ceilings that create flow, depth, and a distinctly classy feel. Wood-look tile flooring anchors the main living spaces with durability and style, while the open-concept layout keeps everything connected without sacrificing definition. The living room centers around an electric fireplace, adding just the right amount of warmth and ambiance. The kitchen is both smart and striking—granite countertops, stainless steel appliances, a gas range, and crisp white shaker cabinetry. A large island becomes the natural hub for conversation, coffee, or casual meals. The primary suite is filled with natural light from two large windows as french doors lead into a well-appointed en-suite bath. Inside, you’ll find a soaking tub built for unwinding, a separate shower, dual sinks with generous counter space, a private lavatory, and a truly oversized walk-in closet. Step outside and the energy shifts—your own spacious, private backyard gives you room to breathe, entertain, or simply enjoy a quiet evening under the Texas sky. All of this, set within a neighborhood where life happens outside—neighbors walking their dogs, families out with strollers, and a genuine sense of connection that makes coming home feel different. Claim the lifestyle everyone else is still searching for!
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.
