Welcome to your own PRIVATE NATURE RETREAT! This beautifully maintained 3-bedroom, 3-full-bath rancher offers a unique combination of custom upgrades, flexible living space, and a peaceful setting for a nature lover's delight. Set back from the road and tucked behind a lush landscape, this home is affectionately known by the owner as "Bird Paradise." A variety of beautiful birds make their home among the property's thoughtfully planted trees and shrubs, including two evergreen berry trees, four dogwoods, two additional berry trees, several stunning red Japanese maples, and other colorful seasonal plantings. You'll enjoy this secluded, park-like setting that provides exceptional privacy and a tranquil atmosphere year-round. Inside, you'll be welcomed by high vaulted ceilings, abundant natural light from multiple skylights, and a blend of rich hardwood and tile flooring throughout. The heart of the home is the impressive chef's kitchen, featuring granite countertops, a massive two-level granite island with seating, a commercial-grade six-burner gas cooktop with griddle, stainless steel appliances, raised maple cabinetry with glazing and pull-out shelving, a convenient wet bar, and a separate coffee bar, perfect for entertaining and everyday living. The spacious living room offers tile flooring, a bay window, recessed lighting, and a large open archway leading directly into the kitchen. Step down into the inviting family room featuring a beautiful full stone wall and double-sided fireplace that creates warmth and character throughout the space. A private bedroom suite located off the family room makes an ideal in-law suite, guest quarters, or home office, complete with a full bath, walk-in closet, the other side of that double-sided fireplace, and its own private entrance. On the opposite side of the home, the primary suite serves as a peaceful retreat with a beautifully updated walk-in closet featuring recessed lighting and a barn door, a private full bath, and direct access to the rear deck. The third bedroom offers a charming loft area perfect for a reading nook, play space, or cozy hangout. Additional features include a third full bathroom conveniently located near the kitchen and an easily-accessible laundry room with granite folding counter, maple cabinetry, pantry storage, and access to the home's mechanical systems. Outdoor living is equally impressive. Sliding glass doors from the kitchen lead to a spacious Trex deck and gazebo complete with recessed lighting and electric service. Surrounded by tall natural bamboo, this outdoor oasis creates a unique and serene rainforest-like ambiance. Adding even more versatility is the finished detached one-car garage featuring luxury vinyl plank flooring, an electric overhead door, and a dedicated storage closet. Outdoor enthusiasts will appreciate the 50-amp RV hookup and greenhouse situated on its own concrete slab. The home's attractive exterior features cedar shake-style vinyl siding and a welcoming concrete front porch accented by four large columns, creating exceptional curb appeal. If you've been searching for a home that blends comfort, privacy, flexible living spaces, and a genuine connection to nature, this one-of-a-kind property is a must-see. Come experience the beauty, tranquility, and charm of your very own Bird Paradise.
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.
