Why wait to build when this picture-perfect home is ready now? Nestled in the highly desirable Brightleaf at the Park community, 3338 Prospect Rakway offers the space you need, the upgrades you want, and the lifestyle you deserve. Step inside and feel instantly at home in the light-filled, two-story living room with rich hardwood floors and a cozy gas fireplace—perfect for both everyday living and weekend entertaining. The gourmet kitchen is a chef's dream, featuring granite countertops, stainless steel appliances, a gas cooktop, double ovens, and a spacious breakfast bar. Whether it's a casual morning in the breakfast nook or a formal dinner in the separate dining room, this layout flexes to fit your life. The main-level primary suite is your personal retreat, complete with vaulted ceilings, spa-like ensuite with walk-in shower, dual vanities, and a large walk-in closet. Also on the main floor? A dedicated office/flex space—ideal for remote work, study, or creative pursuits. Upstairs, discover three generous bedrooms (including one with its own private ensuite—perfect for guests or multi-generational living), and a versatile bonus room ready to become your media room, gym, or playroom. Love the outdoors? You'll fall for the screened-in porch, extended paver patio, and built-in firepit—ideal for weekend BBQs or relaxing evenings under the stars. Plus, the low-maintenance yard gives you more time to enjoy it all. Living in Brightleaf at the Park means access to top-tier amenities: a resort-style pool, tennis & pickleball courts, fitness center, clubhouse, playgrounds, and scenic walking trails. All this just minutes from RTP, major highways, top-rated schools, shopping, and dining. Bonus: Some rooms are virtually staged to help you visualize the space. This one truly checks all the boxes. Don't wait—schedule your private showing today and fall in love with where you live. Why wait to build when this picture-perfect home is ready now? Nestled in the highly desirable Brightleaf at the Park community, 3338 Prospect Parkway offers the space you need, the upgrades you want, and the lifestyle you deserve. Step inside and feel instantly at home in the light-filled, two-story living room with rich hardwood floors and a cozy gas fireplaceperfect for both everyday living and weekend entertaining. The gourmet kitchen is a chef's dream, featuring granite countertops, stainless steel appliances, a gas cooktop, double ovens, and a spacious breakfast bar. Whether it's a casual morning in the breakfast nook or a formal dinner in the separate dining room, this layout flexes to fit your life. The main-level primary suite is your personal retreat, complete with vaulted ceilings, spa-like ensuite with walk-in shower, dual vanities, and a large walk-in closet. Also on the main floor? A dedicated office/flex spaceideal for remote work, study, or creative pursuits. Upstairs, discover three generous bedrooms (including one with its own private ensuiteperfect for guests or multi-generational living), and a versatile bonus room ready to become your media room, gym, or playroom. Love the outdoors? You'll fall for the screened-in porch, extended paver patio, and built-in firepitideal for weekend BBQs or relaxing evenings under the stars. Plus, the low-maintenance yard gives you more time to enjoy it all. Living in Brightleaf at the Park means access to top-tier amenities: a resort-style pool, tennis & pickleball courts, fitness center, clubhouse, playgrounds, and scenic walking trails. All this just minutes from RTP, major highways, top-rated schools, shopping, and dining. Bonus: Some rooms are virtually staged to help you visualize the space. =¥ This one truly checks all the boxes. Don't waitschedule your private showing today and fall in love with where you live.
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.
