A private courtyard wrapped around a statement fountain, a two-story balcony-lined cabana, and 2.28 acres in a gated community come together to create an estate setting that feels grand and entirely unique. This 6 bedroom, 4.5 bath, 3 car garage residence makes an unforgettable first impression with a striking two-story exterior, a massive covered front porch, refreshed interior and exterior paint, enhanced front landscaping, and premium outdoor lighting that highlights the home beautifully after sunset. Double front doors open into the screened lanai courtyard, where the fountain becomes the centerpiece and an open staircase rises to the second story of the cabana. It is the kind of arrival that immediately sets this home apart. Inside the home, the scale is remarkable. The 30x28 living room features double tray ceilings, a built-in entertainment system, and sliding doors to the rear screened porch. The flow moves easily into an expansive eat-in gourmet kitchen designed for hosting in a big way. Granite countertops, intricate wood cabinetry, breakfast bar seating for 8, a massive walk-in pantry, a built-in desk, updated appliances, and room for a full dining table give the space beauty and flexibility. Entertain with ease- sliding doors frame the kitchen on two sides, with 4 accordion style sliders opening to the courtyard on one end and a set to the outdoor kitchen on the other, where granite countertops and a propane cooktop extend the prep space. The bedroom layout is split into four separate sections. Tucked into its own private wing, the primary suite is filled with natural light from sliding doors at both ends. One triple slider opens to the courtyard, while another set leads to the rear screened porch with peaceful views. The room has space for a sleeping area plus an office or sitting area before opening into an ensuite bathroom that feels truly elevated. Granite flooring and countertops continue into the Roman shower (with updated shower heads) and around the soaking tub, while dual vanities, and a large walk-in closet with his-and-hers custom built-in organizers complete the suite. Bedrooms 2 and 3 sit together near a full bathroom with a tub/shower combination, while bedroom 4 is privately placed beside another full bathroom. New carpet and custom closet systems in multiple rooms add function to the private spaces. The laundry room leads to the expansive 3 car side-facing garage, while updated AC units and blowers, a water well filtration system, and an updated septic drainfield bring major behind-the-scenes value. Across the courtyard, the two-story cabana adds another full layer of living space. The first floor includes 2 spacious bedrooms and a full bathroom, creating an ideal setup for guests and extended family. Upstairs, a generous bonus room, storage closet, half bathroom, and movie theater with tiered seating and upgraded components create a true entertainment wing. Both upstairs spaces open to the balcony, where sweeping views of the front lawn and neighborhood add to the estate feel. Tree-sprinkled scenery surrounds the rear screened porch, and the fenced portion of the yard is ready for pets, play, or quiet evenings outside. With 2.28 acres, zoning that allows horses, and room to imagine a future pool or agricultural building, the property offers space to shape something extraordinary. This is more than a home. It is an estate with presence and unforgettable character. Call today to experience it for yourself!
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.