🏡 FOR SALE – Location, Lifestyle, and Luxury All in One! Welcome home to a rare opportunity right in the heart of White House—where convenience meets comfort and charm. It truly doesn’t get any better than this! Enjoy beautiful views of nearby parks and recreation areas, with easy access to tennis, basketball, and pickleball courts—perfect for staying active or simply enjoying the outdoors. This home is nestled in a highly walkable area, making trips to local shops, dining, and everyday essentials effortless. Commuting? You’re just a short drive to Nashville, giving you the best of both worlds—peaceful living with quick access to the city. Step inside and fall in love with: Newly refinished solid wood floors Freshly painted interiors throughout Built-in surround sound system for elevated living and entertaining Elegant brick accents adding warmth and character Every detail has been thoughtfully updated to create a space that feels both stylish and inviting. This property also features a separate detached two-car garage with an incredible 720 sq ft bonus space above—currently set up as a recording studio/broadcast studio complete with heat, air conditioning, and vaulted ceiling. Whether you’re a musician, content creator, artist, or simply need the perfect private workspace, this flexible space offers endless possibilities. Out back, you’ll discover a beautiful backyard retreat featuring a spacious deck, elegant pavers, and the perfect gathering space for family and friends. Whether hosting cookouts, relaxing evenings, or weekend get-togethers, this outdoor area was designed to be enjoyed. Even better, this home offers very minimal maintenance, giving you more time to enjoy the lifestyle this property provides. ✨ This is more than a home—it’s a lifestyle. Don’t miss out on this incredible opportunity!
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.
