Welcome to this stunning, move-in ready 5 bedroom, 3.5 bath home offering over 4,400 square feet of beautifully finished living space in one of the area’s most desirable communities. From the moment you enter the grand foyer, you’re greeted by soaring ceilings, abundant natural light, and an open, flowing layout designed for both comfortable everyday living and entertaining. The impressive two-story great room creates a true centerpiece of the home, highlighted by a beautifully remodeled fireplace and expansive windows that fill the space with light. The main level features elegant formal living and dining rooms, a dedicated home office, and a spacious kitchen complete with granite countertops, extensive cabinetry, and a bright breakfast area overlooking the backyard. Upstairs, the luxurious primary suite offers the perfect private retreat with a spacious owner’s bath, while three additional oversized bedrooms provide exceptional flexibility for guests or additional workspace. The fully finished basement expands the home even further with a massive recreation area, full bathroom, and fifth bedroom, making it ideal for a theater room, gym, guest suite, game room, or multi-generational living setup. Extensive recent upgrades provide true peace of mind, including a newer roof(2024), new HVAC system (2025), brand-new water heater (2026), updated flooring throughout, fresh interior paint, remodeled basement, remodeled fireplace mantel, repaired and freshly stained deck, new garage door openers, and freshly pressure washed exterior surfaces. Step outside to enjoy the large deck and fully fenced backyard, perfect for entertaining, relaxing evenings, pets, and outdoor gatherings. An additional standout feature is the incredibly low 2.6% assumable VA loan for qualified buyers. A rare opportunity in today’s market that could provide substantial long-term savings. Conveniently located near shopping, dining, and everyday amenities, this meticulously maintained home offers the perfect combination of space, comfort, updates, and value. Professional pictures coming soon!
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.
