Just reduced $15,000 below appraised value!! Experience the perfect blend of luxury, privacy, and natural beauty with this custom-built rancher, nestled on over 10 breathtaking acres in the highly sought-after Potomac Vistas community. Custom built in 2020, this exceptional home offers panoramic mountain views, modern amenities, and an ideal layout designed for both comfortable everyday living and entertaining. Step inside through elegant black French glass doors and be welcomed by soaring vaulted ceilings, skylights, front dormers, and stunning hand-scraped hardwood flooring. The spacious living room is anchored by a beautiful floor-to-ceiling stone propane fireplace, creating a warm and inviting atmosphere while abundant natural light fills the space. The heart of the home is the open-concept gourmet kitchen, thoughtfully designed for gatherings and entertaining. Features include custom white cabinetry, a large center custom island with pendant lighting, a walk-in pantry, and a premium Jenn-Air stainless steel appliance package with propane gas cooking. The adjoining formal dining area provides seamless access to the expansive screened-in covered deck, where spectacular mountain views create the perfect backdrop for morning coffee or evening relaxation. An additional uncovered deck offers even more outdoor living space. The thoughtfully designed floor plan provides privacy and separation between living quarters. The luxurious primary suite occupies its own wing and features hand-scraped hardwood flooring, two oversized walk-in closets, and a spa-inspired en-suite bath complete with a soaking tub, dual vanities, and a separate shower. On the opposite wing of the home, two generously sized bedrooms share a well-appointed full bath. Additional highlights include a large laundry room with cabinetry, an oversized three-car attached garage, and a detached two-car garage with its own 100-amp electrical sub panel. The third bay of the attached garage measures approximately 14' x 30', providing ample room for larger vehicles, including a dually truck. There's 400 amp service to the main home with an additional 200 amps for the basement level. The expansive walkout basement offers endless possibilities for future living space, featuring a full bath rough-in and direct access to the large concrete patio below. Additional upgrades include a Blue Light reverse osmosis water filtration system, sprinkler system, and a one-year home warranty that conveys with the sale. Located just minutes from Antietam Battlefield, Burnside Bridge, Harpers Ferry, and Shepherdstown West Virginia this property places you in the heart of one of the region's most scenic and historic destinations. Enjoy easy access to local wineries, breweries, hiking trails, and endless outdoor recreation along the Potomac River, including tubing, kayaking, and canoeing. Whether you're watching wildlife from your back porch, entertaining family and friends, or simply enjoying the peaceful mountain surroundings, this remarkable property offers a lifestyle that's increasingly difficult to find. A rare opportunity to own a private mountain retreat without sacrificing modern convenience.
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.
