Move-In Ready 3-Bedroom Oasis with Saltwater Pool, Smart Home Tech & Conditioned Outbuildings Discover your private retreat in this well maintained 3-bedroom, 2-bath home, blending modern upgrades, smart technology, and an unbeatable backyard lifestyle. Step inside to an inviting open floor plan where the kitchen, dining area, living room, laundry, and walk-in pantry flow seamlessly—highlighted by fresh LVP flooring, sleek stainless steel appliances, and updated countertops. The first-floor primary suite is a true sanctuary, featuring luxurious LVP flooring, an updated bathroom, and peaceful separation from the main living spaces. Upstairs, a cozy loft overlooks two spacious bedrooms and a full bath—perfect for guests, family, or a home office. Outside awaits your personal paradise: a fully vinyl-fenced backyard oasis centered around a sparkling 30x15 inground saltwater pool (updated liner and filtration system under 5 years old). Unwind on the covered patio with hardscaping and shaded hanging chairs, host evenings under the gazebo on the expansive paved area, or tend to the raised garden beds. Two conditioned outbuildings elevate the space—a 24x12 detached home theatre/office with 78” TV, acoustically treated Dolby surround sound, WiFi, and hardwired networking for seamless work or movie nights; plus a 10x16 she-shed/pool house with electric, wood-trimmed walls, and cathedral ceiling, ready for your personal touch. A separate 10x16 utility shed adds extra storage. Enjoy cutting-edge convenience with the Elan smart home system: 6 security cameras, monitored alarm, automated locks, Lutron Ra2 whole-house lighting, multi-room audio (including 10 outdoor speakers and buried 12” subwoofer), touch panels with video intercom, and landscape/holiday lighting. If you own an EV, there's a convenient, Level 2 electric car charger located on the side of the home with the driveway. Everything is move-in ready and waiting for you. Home being sold As-Is. Closing is contingent upon seller finding a new home. Schedule your private tour today—this tech-savvy, resort-style home won’t last long!
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.
