Welcome to one of MillBridge's most sought-after floor plans—the highly desirable Tremont model by Bonterra. Originally showcased as a model home, this impressive residence offers nearly 4,000 square feet of thoughtfully designed living space, exceptional upgrades, and the resort-style lifestyle that has made MillBridge one of the most desirable communities in the Carolinas. From the moment you arrive, you'll be captivated by the home's stunning curb appeal, beautiful stone elevation, and dramatic oversized front porch that creates a grand and welcoming entrance rarely found in today's homes. Situated on a private, fully fenced homesite with professional landscaping, this meticulously maintained residence is truly move-in ready. Recent updates include fresh interior paint, brand-new carpet throughout, upgraded lighting, and beautifully maintained hardwood floors throughout the main living areas. The open-concept floor plan is ideal for both everyday living and entertaining. The chef's kitchen features cream-colored staggered cabinetry, granite countertops, a large farmhouse sink, five-burner gas cooktop, wall ovens, spacious island, and abundant storage. The breakfast area is surrounded by windows and natural light, creating the perfect space to start your day. A formal dining room with designer lighting and an oversized private office with French doors provide both elegance and functionality. The dramatic great room showcases an oversized fireplace, coffered ceilings, and expansive windows that flood the home with natural light. The main level also features a spacious guest suite with a full bath, offering privacy and convenience for visitors or multigenerational living. Retreat to the luxurious primary suite featuring a cathedral ceiling, custom walk-in closet, and spa-inspired bath with upgraded finishes designed for relaxation. Upstairs you'll find generously sized secondary bedrooms, including a Jack-and-Jill bath configuration, along with a large recreation/media room complete with projector screen, in-wall speakers, and media equipment that conveys with the home. Step outside and discover one of the home's most impressive features—an oversized custom patio designed for entertaining, relaxing, and enjoying the private backyard setting. Whether hosting gatherings with friends and family or enjoying a quiet evening outdoors, this exceptional outdoor living space extends the home's functionality and appeal. Additional highlights include an oversized garage, in-ground irrigation system, refrigerator, washer, and dryer included, and exceptional pride of ownership throughout. Beyond the home, enjoy MillBridge's award-winning resort-style amenities, including multiple pools, a three-story waterslide, fitness center, clubhouse, coffee bar, movie theater, tennis courts, putting green, walking trails, playgrounds, recreation areas, and a year-round calendar filled with social events and activities for all ages. This is more than a home—it's a lifestyle.
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.
