Extremely rare, a North Acton property located on prestigious Sourdough Rd. Homes rarely come up for sale on this charming street. Experience refined country living in this elegant single-story estate offering just under 3000 sq. ft. of beautifully updated living space. Perfectly set on approx 2.5 flat, fully usable acres, this property blends upscale comfort with modern amenities and exceptional functionality. Step through the doors into an inviting open floor plan enhanced by new neutral LVP flooring, soaring natural light, and two fireplaces that create an atmosphere of warmth and sophistication. The expansive chef-style kitchen flows seamlessly into the main living areas—ideal for effortless entertaining. A sun-filled glass-enclosed sunroom adds an additional layer of luxury, offering the perfect setting for morning coffee, afternoon reading, or year-round relaxation. Designed with both style and practicality in mind, this home is equipped with county water, natural gas appliances, a solar system, and a backup generator, ensuring exceptional comfort and peace of mind. The oversized indoor laundry room adds everyday convenience, while the three-car garage with breezeway provides ample storage and easy connectivity. Outdoors, the fully fenced property features an electric entry gate, RV parking, and horse-ready grounds, giving you endless possibilities—whether you're looking to create a private equestrian retreat, garden sanctuary, or outdoor entertaining oasis. Paved roads lead directly to the home, enhancing both accessibility and curb appeal. This is the rare single-level estate that truly has it all—space, sophistication, modern upgrades, and room to live your dream lifestyle. Come for a visit. Stay for a lifetime. Welcome 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.
