Welcome to this newly re-imagined 2026 ranch-style horse property, where modern upgrades meet country living on an almost acre lot. Designed with Western charm and everyday comfort, this property offers the space, function, and lifestyle buyers dream of.This home has been beautifully remodeled with new windows, flooring, plumbing, electrical, lighting, casing, trim, crown molding and hardware. The stunning kitchen features quartz countertops, stainless steel appliances, herringbone marble backsplash, walk-in pantry, and French doors leading to the rear patio for seamless indoor-outdoor entertaining.The beautiful rock ledger fireplace and wood-burning stove are the perfect cozy ranch-style centerpiece to the spacious living room .The inviting primary suite features his-and-hers closets, an elegant en-suite bathroom with marble tile floors, granite counters, vessel sink, walk-in spa shower with bench, rain head, and niche. A huge slider leads directly to the beautifully finished rear patio.Step outside to a true entertainer's setup with a massive pergola, huge finished epoxy patio, exterior lighting, and plenty of room to gather under the stars. The property is ready for horses, animals, toys, agriculture, and country living with corrals, RV access, rear alley access, water and electrical in the back, shed, water storage tank, and white vinyl front fencing.Doing laundry is a delight in the vast laundry room. The large window lets in lots of light, bright white cabinets and white quartz counters offer ample storage and counter space and is equipped with he large capacity front load washer and dryer and large utility sink.Major upgrades include an owned solar system, new septic system, upgraded HVAC, tank-less water heater, low-maintenance desert landscaping, paved front access, lots of attic space, and a bright finished 220V garage workshop with epoxy floors. With wide-open usable land, thoughtful finishes, and true ranch functionality, this home is built for peaceful mornings, sunset evenings, and unforgettable gatherings.This move-in-ready ranch retreat blends modern comfort, Western character, and usable land in one incredible dream package. Bring your boots, horses, and spurs along with the move - this one is ready to welcome you home!
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.
