Available to You! One of the most extraordinary private estates you'll ever find. An ultra-exclusive sanctuary set behind a gated entrance on over 20 secluded acres in Rutherford County, North Carolina. Designed for the discerning buyer who values privacy, luxury, and distinction, this 5,000± square-foot custom estate offers a lifestyle rarely found in Western North Carolina. From the moment you enter the property, the sense of arrival is unmistakable. Rolling acreage, manicured grounds, and a private stocked pond create a serene retreat that feels worlds away—yet the conveniences of town are within minutes, and the renowned Tryon International Equestrian Center and Lake Lure are close by. Inside, the home showcases uncompromising craftsmanship and thoughtful design throughout. Expansive living spaces are filled with natural light and showcasing the grounds from inside-out with strategically positioned windows. Soaring tray ceilings, elegant architectural details; Every finish reflects quality and refinement. The gourmet chef’s kitchen is both striking and functional, featuring premium Thermador and Sub-Zero appliances, custom cabinetry, and an oversized island designed for both culinary excellence and effortless entertaining. The primary suite serves as a private sanctuary, complete with a spa-inspired bath featuring a soaking tub, dual vanities, and a stunning walk-in shower designed to capture the beauty of the surrounding property. Two additional bedroom suites provide comfort and privacy for family or guests, each with its own ensuite bath. Designed for both relaxation and recreation, the estate includes a dedicated office, cozy den, and an expansive bonus room, allowing for flexible living, work, and entertainment spaces. What truly sets this property apart is its resort-caliber amenities. Enjoy year-round luxury with a private indoor pool, perfect for all seasons, as well as a sparkling outdoor pool surrounded by an expansive patio and lush natural beauty. Spend quiet mornings fishing in the stocked pond, afternoons entertaining poolside, or evenings taking in the peaceful mountain foothill atmosphere. An additional adjoining lot with acreage offers even more possibilities—create a guest residence, equestrian amenities, or expand the estate grounds for the ultimate private compound. For the buyer who refuses to compromise, this is more than a home—it is a legacy property. With unmatched privacy, luxury amenities, and proximity to world-class equestrian facilities, this estate offers a lifestyle that few properties can rival. A rare opportunity to own something truly exceptional.
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.
