OWNED SOLAR! 6 BEDROOMS + BONUS ROOM | MULTI-GENERATIONAL FLOOR PLAN | BUILT 2019 | 3,059 SQ FT Looking for a move-in-ready 6-bedroom home with a downstairs bedroom, flexible living space, and room for multi-generational living? This beautifully upgraded 2019 home offers 3,059 sq ft, 3 bathrooms, owned solar, and a highly sought-after floor plan designed to accommodate today's lifestyle. One of the home's most desirable features is the versatile downstairs layout. A bedroom conveniently located next to a full bathroom creates an ideal setup for an in-law suite, guest quarters, extended family living, or private home office. An additional oversized downstairs flex room offers endless possibilities as a 6th bedroom, media room, gym, playroom, homeschool room, office, or bonus room.The open-concept floor plan features soaring ceilings, abundant natural light, upgraded LED recessed lighting, and expansive living spaces perfect for entertaining and everyday living. The chef's kitchen is the heart of the home, featuring a massive center island, upgraded cabinetry, abundant counter space, stainless-style finishes, and an enormous walk-in pantry with extensive storage.Upstairs you'll find four spacious bedrooms, including a private primary suite with a large walk-in closet, dual sinks, and a relaxing soaking tub. The oversized secondary bedrooms provide plenty of space for family, guests, hobbies, or work-from-home needs.Additional highlights include owned solar for energy savings, tankless water heater, surround sound wiring, modern finishes, and low-maintenance landscaping. The spacious backyard is a blank canvas ready for a pool, outdoor kitchen, play area, garden, or custom entertaining space.Conveniently located near schools, parks, shopping, dining, and commuter routes, this home offers the space, flexibility, and features that today's buyers are searching for. A very cool feature, This home also includes the Beazer Builder Holiday Light Package on the second story, providing convenient built-in outlets designed to make seasonal holiday light installation easier and more efficient. This move-in ready home combines space, functionality, modern upgrades, and flexibility for multi-generational living. Look @ the Video and 3D Tour!
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.
