Welcome home to the highly sought-after Chatham Creek community, where opportunities like 325 Thomas Armor Dr are few and far between. Lovingly maintained by its original owner, this residence reflects true pride of ownership at every turn. From the moment you arrive, the curb appeal stands out with mature, thoughtfully designed landscaping that brings color, shade, and charm throughout the seasons. A large 2-car garage adds both convenience and functionality, complementing the home’s impressive exterior. The fully fenced rear yard creates a private outdoor retreat—ideal for entertaining, pets, or everyday relaxation. Enjoy seamless indoor-outdoor living with a spacious deck overlooking the yard, along with a walk-out lower-level patio that extends your living space even further. Peace of mind comes with major recent updates, including a brand-new roof (2026), replacement windows, and a new HVAC system installed in 2024—offering both comfort and efficiency for years to come. Inside, the home opens to a warm, inviting layout designed for both everyday living and entertaining. A formal dining room sets the stage for gatherings, while the spacious kitchen with a center island flows effortlessly into the comfortable family room. Just beyond, a stunning four-season sunroom—fully heated and air conditioned—offers a light-filled sanctuary perfect for morning coffee, reading, or unwinding year-round. The upper level features four generously sized bedrooms, including a serene primary suite complete with a private en-suite bath. A conveniently located upper-level laundry adds everyday ease and functionality. The fully finished lower level dramatically expands the living space, offering a large recreation area perfect for a media room or home theater setup, a dedicated bonus room currently used as a home gym, and an additional storage/mechanical area with walk-out access to the backyard. This level is designed to flex with your lifestyle. This home blends comfort, space, and thoughtful updates in one of Windsor’s most desirable neighborhoods. A rare opportunity—don’t miss your chance to make it yours. Interior photos are not publicly available. Please contact the listing agent or your Realtor to schedule a private showing.
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.
