MAJOR IMPROVEMENTS ALREADY COMPLETED || SALTWATER GUNITE POOL || FULLY FINISHED TERRACE LEVEL WITH 2ND KITCHEN, BEDROOM, FULL BATH, FAMILY ROOM & GAME ROOM || ALL NEUTRAL INTERIOR PAINT (COMPLETED 2026) || WATER HEATER REPLACED (2023) || TREX DECK (2019) || 30-YEAR ARCHITECTURAL SHINGLE ROOF INSTALLED (2018) || HVAC SYSTEMS METICOUSLY SERVICED 2X A YEAR (LAST SERVICED JUNE 2026, UPSTAIRS HVAC REPLACED WITH TRANE SYSTEM IN 2016) || NEW POOL FILTER (JUNE 2026) || NEW POOL LIGHT (JUNE 2026). Turn-key ready with resort-style living and capable of handling multigenerational needs. This home is built to impress and is a great investment for the savvy homebuyer. ALL ROOMS ARE LARGE - from living and dining areas to bedrooms, this home is spacious while remaining comfortable. An abundance of windows bathes the home with natural light. Trim package is rare and includes trey ceilings in secondary bedrooms - unmatched by competitors. The location is superb with shopping, dining, grocery, schools, parks, and I-85 located within 3-10 minutes from the property. Inside, an impressive two-story foyer greets you. To the right is a flex room ideal for a home office. To the left is a grand dining room, easily able to accommodate 12. Straight ahead you'll find the two-story fireside great room. This room is stunning and sure to become a favorite place to gather. Overlooking the great room is the chef's kitchen with tons of cabinets, stone countertops, large serving island, walk-in pantry, double oven, gas cooktop, dedicated breakfast area, and fireside keeping room leading to the Trex deck. The main level continues to impress with a junior suite with full bath and large walk-in closet. Site-finished hardwood floors throughout the main level living areas. Upstairs boasts a primary suite complete with fireside sitting room, trey ceiling, hardwood floors, and en suite bath with extended dual vanity, separate tiled shower, jetted tub, tile floor, linen closet, and oversized walk-in closet. Three additional large bedrooms up - one with private ensuite while the other two share a spacious jack-n-jill bath, each with their own vanity. The fully finished terrace level is well designed and offers lots of flexibility. With a full kitchen, full bath, true bedroom with egress window and closet, family room, and game room, this space is ideal for in-laws, teens, entertaining, or a private sanctuary. There is even additional storage space that could be completed for a theater room. Outside continues to delight with a saltwater pool, built-in hot tub, plenty of pool decking, tanning ledge, covered patio, and beautifully landscaped fenced backyard that back-ups to total privacy. Garage offers level parking and an additional level parking pad located at top of the driveway. Three-sides brick exterior keeps maintenance and utility costs down. With valuable improvements already in place, a desirable neighborhood in a prime location, and districted to top schools, this home is an EXCELLENT OPPORTUNITY TO LIVE THE LIFESTYLE YOU WANT WHILE INVESTING IN YOUR REAL ESTATE GOALS AND BUILDING WEALTH.
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.
