Step inside and you’ll immediately feel it—this isn’t just a renovation, it’s a complete reimagining. Guided by both an architect and a professional designer, every surface has been thoughtfully transformed with the highest level finishes—carefully curated and carried consistently throughout the entire home. Blending refined contemporary design with timeless architectural character, the aesthetic feels warm, layered, and far from expected across all 3,700+ square feet. At the center, a completely reconstructed chef’s kitchen showcases luxury appliances, a black velvet quartz island, and custom-designed, Opus inset cabinetry - All designed to be as functional as it is beautiful. The living room features a grand fireplace flanked by Venetian plaster, a rare and lifted detail that continues into the outdoor kitchen and grilling enclosure… all naturally lit with custom Pella windows and doors. With 4 bedrooms and 4 full baths, the home also includes a spacious bonus room with a walk-in closet and integrated Murphy bed, allowing it to function as a fifth bedroom when needed. An unfinished carriage suite above the garage offers additional flexibility for future expansion. The outdoor spaces are a true extension of the home, with finishes and design elements carefully hand-selected to carry the same elevated aesthetic from the interior outward. A convertible indoor-outdoor lounge allows for year-round enjoyment, while the backyard retreat—featuring Tennessee limestone, a fire feature, and curated accent lighting—creates an inviting ambiance in the evenings. Located in Tollgate Village in Thompson’s Station, the lifestyle is just as compelling with convenience and walkability to a local taco shop/cantina, coffee shops, and Village Pizza. Residents also enjoy a resort-style pool, clubhouse, recreational spaces, and walking trails that connect to miles of parks and nearby schools. This is a home where thoughtful design and everyday livability come together seamlessly.
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.
