Every once in a while, a property comes along that feels less like a home… and more like the lifestyle people spend years hoping to find. Tucked gently atop 4.5+/- beautifully manicured acres with sweeping views of open farmland, this stunning brick residence offers the kind of peace, privacy, and flexibility that’s becoming increasingly rare to find — especially while still being conveniently positioned between Hwy 61 and Hwy 79 for an easy commute back toward the city. From the moment you pull up the gravel drive, there’s an unmistakable sense of arrival. Mature landscaping, meticulously maintained grounds, and the stately brick veneer exterior immediately set the tone for what’s inside. Step through the front door and you’re welcomed into a warm, inviting living space filled with natural light pouring through Anderson windows and skylights above. Vaulted ceilings with a striking center beam create an open, airy feel, while the gas log fireplace anchors the room with the perfect touch of comfort and character. The kitchen was designed for both gathering and functionality, featuring granite countertops, breakfast bar seating, walk-in pantry storage, stainless appliances, and seamless flow into the main living areas. Whether it’s slow mornings with coffee overlooking the countryside or hosting family and friends for the holidays, this home simply lives well. Vinyl plank flooring runs throughout much of the main level, blending durability with timeless style, while thoughtful details like solid wood core doors, attic fan ventilation, central vac, and main floor laundry with utility sink reflect the level of care poured into the property over the years. The primary suite feels like its own private retreat, complete with pocket doors, walk-in closet, staging area, and an updated bath that creates a relaxing escape at the end of the day. Downstairs, the finished walkout lower level dramatically expands the usable living space with soaring ceilings, ceramic tile flooring, full bath, additional laundry area, workshop space, and a second gas fireplace that creates the perfect setting for entertaining, hobbies, extended stays, or multi-generational flexibility. But what truly separates this property from almost anything else on the market is what waits outside. Imagine evenings spent on the partially covered composite deck watching sunsets fall across rolling fields. Summer gatherings stretched across the massive patio space. Quiet mornings with nothing but the sounds of nature surrounding you. And for the buyer needing more than just a home — the detached pole barn/shop opens the door to endless opportunity. With concrete floors, oversized access doors, electric, water, insulated workspace potential, and air compressor setup already in place, it’s perfectly suited for a home business, hobbyist workspace, storage for toys and equipment, or simply the freedom to create something uniquely yours. This isn’t just another rural listing. It’s the kind of property buyers wait years to see hit the market — a turnkey country estate that combines comfort, utility, craftsmanship, and lifestyle into one unforgettable setting.
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.
