Welcome to 403 Dryden Road, a showcase of style, comfort, and thoughtful design. This meticulously maintained 4-bedroom, 3.5-bath townhome offers over 2,300 square feet of finished living space and lives like new — built in 2021 with numerous builder and owner upgrades, including a three-level bump-out that expands each floor for exceptional versatility. The entry level welcomes you with a bright, open foyer featuring custom built-ins for storage and organization. A spacious recreation room and fourth bedroom with a full bath provide flexible space ideal for guests, a home office, or a private suite for extended family — a rare and desirable feature in this community. Upstairs, the main living level delivers an impressive open-concept floorplan anchored by luxury vinyl plank flooring and a bold accent wall that defines the living area with modern character. The chef’s kitchen is both beautiful and functional, featuring granite countertops, a large center island with seating for four, upgraded stainless steel appliances, elegant pendant lighting, and abundant cabinetry offering endless storage. Sunlight streams through the expansive windows, creating an inviting flow from dining to living — ideal for entertaining or relaxed daily living. The upper level continues to impress with a serene primary suite, complete with a spacious walk-in closet, a private sitting area (courtesy of the bump-out), and a spa-inspired en suite bath featuring dual vanities and a tiled shower. Two additional bedrooms share a pristine full hall bath, while a convenient laundry area adds ease to your daily routine. Step outside to enjoy the fully fenced backyard oasis, highlighted by a stamped concrete patio and gazebo — perfect for outdoor dining, entertaining guests, or peaceful evenings under the lights. Living at 403 Dryden means more than just a home — it’s a lifestyle. The community offers resort-style amenities, including a clubhouse with fitness center, swimming pool, tennis courts, playground, splash pad, and walking trails, all beautifully maintained for year-round enjoyment. Move-in ready and meticulously cared for, this home truly blends modern design, functional living, and refined comfort. Welcome home to 403 Dryden Road — where everyday life feels elevated.
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.
