Welcome to 44084 Endor—a breathtaking, meticulously maintained 4.2+ acre fenced property offering sweeping views, peaceful surroundings, and the added benefit of paid solar. This exceptional property invites you to embrace country living at its finest, with endless opportunities to create the lifestyle you’ve always imagined. The land is truly a rare find, featuring a thriving fruit orchard with many varieties of fruit trees, several irrigated garden areas, and ample open space to expand your vision. Whether you dream of growing your own food, raising horses, creating additional outdoor entertaining areas, or adding a pool, the possibilities here are endless. The entire property is thoughtfully supported by a private well, a 5,000-gallon water tank, and a meticulously designed irrigation system that helps you keep things flourishing. Built in 2017, the beautifully maintained double-wide manufactured home offers the perfect blend of comfort, functionality, and style across approximately 1,778 square feet. Inside, you’ll find four spacious bedrooms plus a den, including a private relaxing primary bed n bath suite with Jacuzzi walk-in shower. The expansive family room is filled with natural light and framed by large windows that showcase the stunning surrounding landscape from nearly every angle. The gorgeous kitchen is both stylish and practical, with abundant cabinetry, recessed lighting, a large center island, and a spacious pantry—ideal for everyday living and entertaining alike. A designated laundry room adds convenience and helps keep the home organized and efficient. Step outside and take in the beauty from every direction. The fenced acreage provides a safe and versatile environment for children, pets, and animals, while a garden shed offers additional storage and flexibility for maintaining the property. This home was built with quality and durability in mind, designed to withstand wind, snow, and rain with features that include 2x6 interior wall construction, 90-inch sidewalls, extra plywood reinforced flooring and roof, an enhanced perimeter foundation, and an interior sprinkler system. Peace and tranquility await here. Escape the noise and pace of city life and enjoy fresh air, open skies, breathtaking views, and the comfort of an almost-new home that has been lovingly cared for. Endor offers a unique opportunity to experience serene countryside living with room to grow, dream and make it yours. See floor Plan, 360 Tour, & Drone Video in photos.
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.
