No showings or offers until 2/13/26. Nestled in a quiet cul-de-sac in the desirable Wind River subdivision and located in the Jenks School District, this beautiful home offers thoughtful design, quality finishes, and flexible living spaces throughout. The open floor plan welcomes you with vaulted ceilings accented by crown molding in the living room and exposed beams in the kitchen, creating an inviting yet refined atmosphere. Unique pine wood floors flow throughout the main level, adding warmth and character. The kitchen is a true centerpiece, featuring a stunning blue granite island, all new appliances, including an LG split-door refrigerator, split-door built-in wall oven, gas cooktop, dishwasher, and built-in microwave. A spacious pantry with a coffee bar area adds both function and charm. The primary suite is privately located at the back of the home, overlooking the beautifully landscaped yard. The ensuite bath includes a whirlpool tub, separate tile shower, double sinks, and separate closets for added convenience. A second main-level bedroom offers an ideal in-law plan with its own private full bath and walk-in closet. At the front of the home, a light-filled office with extensive built-ins and a vaulted ceiling provides the perfect workspace. The main floor also includes a half bath, separate laundry room, mud room, storage under the stairs, and excellent everyday functionality. Upstairs, you'll find two additional bedrooms, including one with a charming window seat, connected by a Pullman-style bathroom. A spacious game room features a game closet and an open cut-out overlooking the entry below, adding architectural interest. Walk-out attic storage provides even more space for organization. The 3-car garage includes shelving and storage, rounding out the home's impressive functionality. Enjoy community amenities including a pool, clubhouse, and walking trails, all set within a peaceful neighborhood that truly feels like 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.
