If you love indoor/outdoor living, you will love this home. Tucked away in the prestigious community of The Enclave at Forest Woods in Mullica Hill, this exceptional estate blends timeless elegance, resort-style entertaining, and serene natural beauty. From the moment you step into the dramatic two-story foyer, you’re welcomed by a grand setback staircase, exquisite millwork, and a custom hand-painted mural that creates an unforgettable first impression. Sunlight pours through the home, drawing your eyes to peaceful wooded views framed by elegant French doors. Designed for both everyday comfort and elevated entertaining, the main level offers refined yet inviting living spaces throughout. The formal living room seamlessly flows into a sun-drenched sun room—perfect for morning coffee, reading, or quiet relaxation surrounded by nature. A sophisticated dining room showcases an oversized bay window, custom shadowboxing, and crown molding, creating the ideal backdrop for holiday gatherings and special occasions. For those working from home, the private office with scenic wooded views offers an inspiring and tranquil workspace filled with natural light—making remote work feel anything but routine. At the heart of the home, the breathtaking two-story family room features a soaring wall of windows and a stunning wood-burning fireplace( among multiple fireplaces) with an oversized mantel—striking the perfect balance between grandeur and warmth. Nearby, a custom wet bar and designer gourmet kitchen make entertaining effortless, complete with two-tone cabinetry, premium stainless steel appliances, built-in refrigerator, microwave, and warming drawer. Upstairs, the luxurious primary suite serves as a true private retreat, featuring a cozy sitting room with a gas fireplace, spa-like ambiance, and a versatile bonus space currently used as a home gym. An additional en-suite bedroom and two generously sized bedrooms connected by a Jack- and-Jill bath complete the upper level. Step outside and discover your own private backyard oasis. A beautifully designed paver patio with built-in grill and refrigerator opens to a second outdoor gathering area centered around a full stone fireplace with seating wall—perfect for relaxing evenings under the stars. A quarter-size basketball court adds recreation and fun, while mature trees surround the property, creating unmatched privacy and a peaceful, resort-like setting. Additional luxury features include:Low Voltage Exterior Lighting • In-wall speaker system • Security system with cameras and intercom • Dual TimberTech staircases • Chandelier lift • Professional landscaping • 10-zone sprinkler system • Oversized 3-car garage • Basement hangout space with padded basketball system and break-away rim • 2,000 sq ft unfinished basement ready for your vision This is more than a home—it’s a lifestyle destination where luxury, privacy, and unforgettable entertaining come together. A truly one-of-a-kind property that must be experienced in person to be fully appreciated.
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.
