Welcome to this beautiful, like-new 4-bed, 3-full bath, 3 Living areas, and a 2-car garage home built in 2021 with 2,285 sq ft of open-concept living in the highly desirable Heartland, a vibrant master-planned community in charming Forney, TX. This incredible home has recently been improved with NEW upgraded 55 ounce 100% solution dyed cloud 9 pet fiber carpet over 7-pound pad, NEW upgraded SS tall tub dishwasher, NEW upgraded rain-fall style shower heads in both secondary baths, NEW upgraded Moen bathroom sink faucets in secondary baths, and paint refresh (all 3-2026). This home is super energy efficient with a 16+ SEER AC system, low-e windows, and excellent insulation. You will love the light and bright open floor plan designed for today’s active lifestyle, with a spacious living room that flows effortlessly into the open kitchen, with an abundance of cabinets, and a generous center island with plenty of prep space. The master retreat has high ceilings and an ensuite bath with dual sinks, a large shower, a rejuvenating soaking tub, and a huge walk-in closet. This also provides you with a wonderful home office, plus a huge game room on the 2nd floor. Step outside to a patio that overlooks your private, oversized backyard, perfect for morning coffee, grilling, or simply relaxing. Just outside your doorstep, Heartland offers a resort-style pool, dog parks, fishing ponds, splash pads, playground, green spaces, and serene walking trails. You will enjoy nearby shopping, dining, and recreation with easy access to downtown Dallas. This home is a perfect blend of comfort and modern features that are designed for an active, healthy lifestyle. Come see it before it is gone. All information contained herein is deemed reliable but not guaranteed. Listing agent and broker are not responsible for inaccuracies. Buyer's agent to verify all info, including schools, dimensions, etc.
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.
