Stunning 5 bedrooms / 4 full bathrooms nestled within the prestigious subdivision Tributary, a vibrant amenity-rich lifestyle community where comfort, connection, and convenience come together. From the moment you enter through the double front doors, you are welcomed by a wide foyer, elegant trim work, recessed lighting throughout the home, and rich hardwood floors throughout the main level, creating a warm and inviting atmosphere. The heart of the home is the gourmet kitchen, designed for both everyday living and entertaining. It features granite countertops, white shaker cabinetry, a large center island, pendant and recessed lighting, and upgraded stainless-steel appliances including a double oven, microwave, stovetop, dishwasher, and refrigerator. The open-concept layout flows seamlessly into the impressive two-story family room, highlighted by soaring 22-foot ceilings, a dramatic floor-to-ceiling stacked stone fireplace, and a wall of tall windows that flood the space with natural light while offering serene views of the private homesite. Perfect for guests or multi-generational living, the home includes a full guest suite on the main level. Upstairs, you’ll find an open landing and catwalk, four additional spacious bedrooms, including one with a private bath. The luxurious owner’s retreat features a tray ceiling and a spa-like bathroom complete with a jetted soaking tub, large separate shower, double granite vanity, and an oversized custom walk-in closet designed for comfort and functionality. Thoughtfully designed for modern living, this smart home features an IQ Panel security system, a beautifully crafted staircase with wood trim and wrought iron spindles, and double carriage-style garage doors with two LiftMaster MyQ WiFi openers, plus additional upgrades throughout. Enjoy outdoor living and entertaining on the covered patio, an ideal space to relax and unwind. Located in one of the area’s most desirable communities, Tributary offers exceptional amenities including an activity center, resort-style pools, tennis courts, and a strong sense of neighborhood connection. This home offers the perfect blend of elegance, space, and lifestyle living—a truly special place to call home. This one won't last!
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.
