A Romantic Waterfront Sanctuary Where Every Day Feels Like a Getaway Discover a rare blend of romance, refinement, and tranquility in this exquisite waterfront residence, quietly nestled in a cherished neighborhood. This fee simple attached home is beautifully updated and completely move-in ready, offering a lifestyle defined by peaceful mornings, golden sunsets, and the gentle shimmer of water just beyond your door. Arrive to a freshly pressure-washed front porch and an updated front door that sets the tone for what lies within. Inside, a gracious foyer opens to an airy, open-concept design where light and space flow effortlessly from room to room. The heart of the home is the stunning eat-in kitchen—an inspired space adorned with rich espresso cabinetry, luminous granite countertops, stainless steel appliances, and thoughtfully curated hardware and lighting. A charming pull-up bar invites conversation and connection, seamlessly uniting the kitchen with the dining and living areas. The dining space is generous and elegant, perfectly suited for intimate dinners or celebratory gatherings, while the living room offers a serene retreat with fresh paint, abundant natural light, and a layout designed for both relaxation and entertaining. Throughout the main living spaces, travertine tile adds timeless beauty and understated luxury. Step outside through the French doors to the expansive back porch, where the world slows and nature takes center stage. Overlooking a peaceful lake framed by mature trees, this enchanting outdoor space invites you to sip wine at sunset, enjoy quiet mornings with coffee, or simply listen to the soft sounds of wildlife. The private backyard is a canvas for your dreams—whether that’s a brick paver patio with a glowing firepit, a romantic gazebo, lush gardens, or a hammock swaying beneath the trees. The flex space in the garage beyond the laundry room is perfect for an office or workroom. Upstairs, the primary suite is a true haven. Spacious enough for a king-sized bed, it features a large closet with built-in shelving and sun-filled windows that bathe the room in warmth. The nearby bathroom feels spa-inspired with fresh tile, a generous vanity, a deep soaking tub, and beautiful natural light. Just beyond, pass through new energy-efficient doors to a private deck overlooks the trees and glistening lake—an idyllic setting for morning reflections or moonlit evenings. A second bedroom with its own private deck and newly replaced energy-efficient doors, offers versatility and charm, easily serving as a guest retreat, dressing room, creative studio, or home office. Both rooms are thoughtfully sized to provide comfort and flexibility. Conveniently located near shopping, dining, work centers, and top-rated schools—Conway Elementary, Conway Middle, and Boone High—this home offers the perfect balance of privacy and accessibility. This is more than a residence; it is a romantic lakeside escape where elegance, serenity, and everyday luxury become your way of life.
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.
