Your Private Sanctuary Awaits: A Meticulously Upgraded Home on 3.9 Acres. Escape to your own piece of paradise with this spotless home nestled on 3.9 acres of serene, forested land. Here, wildlife ambles by, and tranquility is your closest neighbor. This property is more than a home; it's a lifestyle. Unforgettable Outdoor Living 🌲 Imagine evenings spent on the back patio overlooking the trail to your private creek. Entertain friends and family with a state-of-the-art outdoor kitchen, complete with a stainless steel BBQ and mini-fridge. On cooler nights, gather around the ready-to-light firepit or relax in the beautifully illuminated gazebo. The expansive front porch is perfect for enjoying quiet evenings in your rocking chairs. • Outdoor Kitchen: Stainless steel BBQ and mini-fridge. • Relaxation: Firepit and a lit-up gazebo. • Nature: 3.9 acres of woods, wildlife, and a creek. • Coffee with a View: A private patio off the sunroom for your morning coffee. An Interior of Upgraded Elegance ✨ Step inside to a home where every detail has been thoughtfully considered. The entire house has been freshly painted, creating a bright and welcoming atmosphere. The main floor offers a seamless flow between the office, sitting room, formal dining room, and a family room centered around a cozy gas fireplace with a remote. • Master Suite Retreat: A huge master bedroom with a walk-in closet, and a newly renovated master bath featuring quartz counters, a luxurious cast-iron soaker tub, and a separate shower. • Spacious Rooms: All bedrooms feature walk-in closets, ensuring ample storage for everyone. • Gourmet Ready: A well-appointed kitchen flows into a bright sunroom and family room, both with brand new blinds. • Convenience: A dedicated, large laundry room with a sink, counter, and cabinets, plus a half-bath and a mudroom on the main floor. Practicality and Potential 🛠️ This home is as practical as it is beautiful. The garage is completely finished with anti-slip flooring, fresh paint, and blinds. The expansive downstairs area is a blank canvas, ready for you to create a fifth bedroom, another bathroom, and the ultimate entertainment space. • Finished Garage: Anti-slip flooring, paint, and blinds. • Future Expansion: A full basement ready to be finished to your specifications. • Recent Updates: The property was fully surveyed in 2024. A detailed list of the many upgrades is available. Schedule Your Private Showing This is a rare opportunity to own a piece of heaven. A PRE-APPROVAL LETTER FROM A FINANCIAL INSTITUTION IS REQUIRED FOR ALL SHOWINGS.
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.
