Holiday Open House: Saturday, December 13, 2025, from 11:00 AM - 2:00 PM. Step into the season at 35 Villa Court, where lakefront living meets holiday warmth. Nestled on 1.64 private, wooded acres along the Lake Hartwell shoreline, this 3-bedroom, 3-bath retreat offers more than a home. It offers a lifestyle meant to be shared. With over 2,700 square feet of thoughtfully designed space, this home seamlessly blends spacious gathering areas with cozy nooks, making it ideal for slowing down during the holiday season. On the main level, the inviting primary suite and open-concept living area take full advantage of peaceful lake views. Whether you're hosting Thanksgiving dinner, trimming the Christmas tree, or sipping cocoa on the deck wrapped in a soft blanket, this level sets the tone for festive, memorable moments. Downstairs, an additional bedroom and flexible living space provide plenty of room for visiting family and holiday guests. Make it your personalized vacation retreat during travel season. The boat garage and storage area make lake living simple, even in winter's quiet beauty. Outside, a 4x16 ft. gangway leads to your private dock, which is perfect for a crisp morning stroll, winter fishing, or watching the reflections of holiday lights dance across the water. A 3-car garage gives you abundant storage for vehicles, golf carts, paddleboards, and all the extra seasonal decor. Dock permits will transfer to the new owners, ensuring everything is ready for your next chapter. The largest allowable dock is 40 ft. W x 10 ft. L, paired with the existing 16 ft. gangwalk. Buyers may request an upgrade for a covered dock through the U.S. Army Corps of Engineers using a certified dock builder. Lake Hartwell is a year-round destination, but there's something especially magical about it this time of year: quiet mornings, crisp air, and evenings that sparkle under winter skies. Now, it's ready for you to write its next chapter. Welcome to 35 Villa Court! A serene, private lakefront escape where holiday memories are just beginning.
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.
