Sellers are offering $7,500 you can use to buy down your interest rate — or apply toward closing costs. Offer expires if home doesn't close by August 15. Gated Granbury neighborhood within the award-winning Valley Vista master-planned community — where luxury, comfort, and thoughtful design come together beautifully in this stunning Lennar-built home. Tucked behind private gates in one of North Las Vegas’s most sought-after zip codes, this spacious 4-bedroom, 3.5-bath home features a rare dual primary suite — ideal for multigenerational living, long-term guests, or the ultimate owner’s retreat. Every detail has been thoughtfully considered, from the gleaming granite countertops and stainless steel appliances to the open layout designed for both entertaining and relaxed everyday living. The finished two-car garage with stunning epoxy floors adds a polished, showroom-quality touch that truly sets this home apart. Step outside and discover a beautifully landscaped backyard — private, lush, and gloriously green — your own personal desert oasis, perfect for morning coffee or relaxing evening gatherings beneath the Nevada stars. Leased solar keeps energy costs impressively low year-round, and washer and dryer hookups on both levels mean no more lugging laundry up and down the stairs — real convenience thoughtfully built into every floor of this home. Living in Valley Vista means resort-style amenities right at your fingertips: a sparkling community pool with waterslide, three neighborhood parks featuring basketball courts, dog runs, tot lots, and picnic areas, plus walking and biking trails, a disc golf course, and lighted pickleball and volleyball courts. You’re also just minutes from Aliante Casino, the Aliante Public Library, Centennial Hills Medical Center, great dining, and easy freeway access. Whether you’re unwinding, hosting, stepping into your showroom-quality garage, incredible lifestyle you’ve been dreaming of. Gated. Upgraded. Move-in ready!
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.
