Presenting this exquisite four bedroom, three-and-a-half bathroom home tucked away in Sycamore Valley, just beyond Cattail Creek, set on a lush 1.2-acre cul-de-sac lot with peaceful scenic views. Spanning three beautifully finished levels, this residence offers exceptional space for everyday living and entertaining. Meticulously manicured landscaping sets the tone upon arrival, while inside, a two-story foyer showcases rich hardwood floors that extend throughout most of the main level, complemented by crown molding, wainscoting and abundant natural light. An inviting front living room provides a relaxing retreat, while the formal dining room is well-suited for gatherings of any size. Designed for both function and style, the spacious eat-in kitchen features granite counters, a tile backsplash, 42-inch cabinetry with under-cabinet lighting, an island with seating, and high-end appliances including a six-burner Wolf gas range with pot filler and a Miele dishwasher. The breakfast nook offers casual dining with access to the patio, along with additional cabinetry, wine storage, and a beverage refrigerator. A soaring cathedral ceiling defines the family room, complete with plantation shutters and a high-efficiency wood stove fireplace. A private office behind French doors provides a quiet work-from-home space. Completing the main level are a half bathroom and a mud room with access to the two-car garage, featuring epoxy flooring and built-in storage. Upstairs, the primary suite serves as a true retreat, highlighted by a cathedral ceiling, a spacious walk-in closet, and a conveniently located laundry room. The luxurious ensuite bathroom includes a freestanding soaking tub, walk-in shower, dual-sink vanity, and a separate water closet. Three additional bedrooms and a recently renovated hall bathroom with a walk-in shower and dual-sink vanity complete the upper level. Downstairs, the finished walk-out lower level expands the living space with a large recreation room featuring a wet bar, a dedicated media room ideal for a home theater, gym, or gaming space, and a versatile bonus room that can function as an additional bedroom with a full bathroom nearby. A storage room offers two wall ovens and a hook-up for a secondary laundry area. Outdoor living is equally inviting with a spacious paver patio, perfect for relaxing, grilling, and dining al fresco while enjoying the tranquil setting. Located in one of Western Howard County’s most sought-after areas, approximately one mile from Cattail Creek Country Club and within minutes of major commuting routes, shopping, and dining, this exceptional home offers a perfect balance of comfort, style, and tranquility. Recent updates include dual-zoned HVAC systems (2023 and 2025), roof (2022), water heater (2021), a renovated upper-level hall bathroom, and improvements to the front door, front steps, and exterior lighting.
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.
