Stunning Pre-Certified Move-In Ready Renovated Home on 1.5 Acres with a separate 3-Car Garage, Sunroom, Large Deck, Outdoor Shower, Designer Owners Suite and More! Welcome to your FARMHOUSE DREAM-a beautifully fully renovated 3-bedroom, 3-bath modern farmhouse offering 2,280 sq ft of refined living space on a peaceful and private 1.5-acre lot. Every detail has been thoughtfully upgraded to blend timeless farmhouse charm with modern luxury. Step inside to soaring ceilings and a bright, open layout with a wood burning stove. The home is enhanced by hardwood floors throughout the main living areas, creating warmth, character, and elegance. The spacious living area leads to the expansive chef-inspired kitchen, featuring a large center island, abundant cabinetry, generous counter space, and stylish finishes-perfect for cooking, hosting, and gathering. A convenient mudroom with a separate entrance makes everyday life effortless, serving as the ideal drop zone and flows directly into the dedicated laundry room. The owner's suite is a true retreat, offering custom closets with built-in drawers for amazing organization and a beautifully updated ensuite bath with a double vanity, large soaking tub, and a large walk-in shower. Secondary bedroom features spacious closets and a private bathroom with a large walk-in tiled shower. The upper level features a cozy loft bedroom with soft carpeting, ideal for guests, kids, or a private office space with an ample amount of storage space. A charming sunroom off of the garage provides the perfect spot for morning coffee, reading, or simply enjoying serene property views all year long. Outdoor living is exceptional: A large deck perfect for grilling, dining, and entertaining. A luxurious outdoor shower just off the deck-ideal after gardening or enjoying nature. A welcoming front porch that captures classic farmhouse appeal. The oversized 3-car garage offers abundant room for vehicles, tools, storage, or a workshop-ideal for hobbyists or those needing extra space. Renovated from top to bottom with care and craftsmanship, this home truly embodies a FARMHOUSE DREAM, delivering modern comfort, timeless charm, and spacious indoor-outdoor living on a beautiful, private lot.
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.
