Welcome home to resort style living in the highly sought after Solena at The Vineyards on Lake Wylie, where every day feels like a vacation. Meticulously maintained and impeccably designed, this stunning 3 bedroom, 2 bath ranch offers the perfect blend of comfort, elegance, and effortless living. A charming covered front porch welcomes you inside, where natural light fills the open concept floor plan. At the heart of the home, the chef inspired kitchen is designed to impress, featuring beautiful linen cabinetry, gleaming granite countertops, a spacious center island, and a full suite of stainless steel appliances that convey with the home. Whether you're hosting friends for dinner or enjoying a quiet evening at home, the seamless flow between the kitchen, dining area, and inviting living room creates the perfect setting for every occasion. Step outside to your backyard retreat. The covered rear porch overlooks a fully fenced yard, offering the ideal space for morning coffee, evening cocktails, or weekend gatherings. Beyond the fence line, additional land provides extra room to let you back yard imagination run wild. The spacious primary suite serves as a peaceful sanctuary, complete with a spa-inspired bath featuring a large walk-in shower, dual sink vanity, and oversized walk in closet. Two additional generously sized bedrooms offer flexibility for guests, a home office, fitness space, or hobbies, and share a beautifully appointed full bath. Life extends far beyond the front door in Solena at The Vineyards. Residents enjoy access to exceptional resort-style amenities including a sparkling pool, fitness center, tennis and pickleball courts, playgrounds, and scenic walking trails that wind along the beautiful Lake Wylie waterfront. Here, neighbors become friends and every day offers opportunities to relax, connect, and enjoy the natural beauty that surrounds you. More than just a home, this is a lifestyle one that combines luxury, convenience, and community in one of Lake Wylie's most desirable neighborhoods. Schedule your private tour today and discover why so many love calling Solena at The Vineyards home.
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.
