CUSTOM LUXURY + St Louis Arch sunset Views in Summit of Shiloh - Welcome to 3713 Golfview Circle, exceptional custom-built residence in the prestigious Summit of Shiloh, where luxury living, thoughtful design, and unforgettable sunset views come together in one remarkable offering. Built in 2020 by a builder known locally for quality craftsmanship and timeless design, this stunning 5-bedroom (with 6th bedroom addition possible with door addition in lower level), 3.5-bath home offers over 3,800 square feet of beautifully finished living space, including a full finished lower level, all positioned on a premium 0.86-acre homesite backing to trees and golf course views. From the moment you arrive, the warm and carefully curated curb appeal is undeniable with custom selected landscaping that will turn this home into a magical garden over time, a welcoming covered front porch, and an elevated setting on a quiet dead-end street. Step inside the dramatic two-story foyer and experience the attention to detail throughout. Soaring cathedral ceilings, elegant custom millwork, recessed lighting, plaster-finished walls and ceilings, black Queen Anne grille windows, and a bright open-concept floorplan create a home that feels both refined and welcoming. Designed for everyday comfort and elevated entertaining, the main living area flows seamlessly into the chef’s kitchen—the true heart of the home. Features include a large center island with seating, custom soft-close cabinetry, beautiful tile backsplash, gas range, abundant prep space, premium fixtures, and a spacious walk-in pantry. The adjoining dining and living areas provide ideal gathering spaces while oversized windows frame peaceful backyard views. The main-floor primary suite offers a private retreat with generous proportions, custom walk-in closet, and a spa-inspired bath featuring a marble shower, frameless glass enclosure, dual vanities, cultured marble tops, and elegant finishes. Also on the main level are a dedicated office for work-from-home convenience, a well-appointed laundry room, and additional flexible living space to fit changing needs. Upstairs, you’ll find three spacious bedrooms, a full guest bath, and a versatile loft with custom built-in desk space—perfect for study, remote work, reading, or creative use. The finished lower level expands the home’s functionality with an oversized recreation and entertainment room, kitchenette, wet/dry bar, an additional bedroom with a room flex room (convertable to a 6th bedroom with door addition), ideal space for fitness, hobbies, guests, media use, or play, plus substantial storage areas. Outdoor living is equally impressive. Relax on the rear deck, enjoy the privacy of the tree-lined backdrop, or take in golf course views and glowing evening skies. The expansive lot offers room to enjoy, entertain, and personalize for years to come. Additional highlights include a 3-car garage, new carpet (April 2026), 95% efficient gas furnace, programmable thermostats, 13 SEER air conditioner, Low-E double-pane windows with marble sills, R-49 attic insulation, active radon mitigation system, buried downspouts, drain tile system, insulated garage doors with openers, copper plumbing supply lines, 200-amp electrical service, architectural shingles, and Lifetime Polycoat waterproofing warranty. Residents of The Summit of Shiloh enjoy access to a beautiful two-story clubhouse and community pool, while being just minutes from Scott Air Force Base, shopping, dining, parks, and only a short drive to St. Louis. Offering the perfect balance of luxury, space, lifestyle, and long-term value, this is a rare opportunity to own a truly special home in one of the area’s premier communities. ***Some marketing photos have been virtually staged to illustrate the home’s layout, scale, and use of space. Furnishings & decor shown in staged images are digital representations. Assumable financing offers welcome from Veterans w/ entitlement.
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.
