Escape to your own private countryside estate where luxury meets the tranquility of nature. Set on 5 breathtaking acres in Beecher, this exceptional 5-bedroom, 4.5-bath residence offers an unparalleled opportunity to enjoy refined country living surrounded by picturesque landscapes, abundant wildlife, and a peaceful, horse-friendly setting. Thoughtfully designed for both elegant entertaining and everyday comfort, the nearly 3,000-square-foot home welcomes you with soaring vaulted ceilings, skylights, rich hardwood flooring, and sun-filled living spaces that create an inviting yet sophisticated atmosphere. The beautifully appointed country kitchen, updated in 2008, serves as the heart of the home, featuring granite countertops, a center island, abundant cabinetry, and a spacious breakfast area overlooking the scenic grounds. The luxurious main-level primary suite provides a private retreat, highlighted by a stunning spa-inspired bathroom completely renovated in 2026. Generously sized secondary bedrooms offer exceptional flexibility for family and guests, while the finished lower level-renovated in 2008-expands the home's impressive living space with a sprawling recreation room, wet bar, fireplace, fifth bedroom, and full bath, making it ideal for entertaining or multigenerational living. Designed to embrace its remarkable natural surroundings, the outdoor spaces are equally captivating. Enjoy peaceful mornings on the inviting front porch, host unforgettable gatherings on the expansive deck and patio, cool off in the pool, or unwind around the fire pit beneath spectacular country skies. Mature trees, open green space, and multiple outbuildings complete this extraordinary property, offering endless possibilities for equestrian enthusiasts, hobby farmers, or anyone seeking privacy and room to roam. Significant improvements include a beautifully remodeled kitchen (2008), hardwood flooring (2008), a finished basement (2008), and an elegant primary bath renovation (2026), blending timeless character with modern comfort. Offering the rare combination of luxury, privacy, and a warm country atmosphere, this remarkable estate delivers a lifestyle that is increasingly difficult to find. Whether you're seeking a peaceful full-time residence, a retreat from city life, or the perfect property to enjoy nature and horses, this one-of-a-kind home is truly an exceptional place to call your own.
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.
