Positioned on 2.51 acres of unrestricted land in the scenic Laurel Springs area of Ashe County, this mountain property offers privacy, versatility, and expansive views of the surrounding Blue Ridge landscape. The setting is quiet and rural, with rolling terrain and long-range mountain scenery that changes beautifully with the seasons. The home features three bedrooms and one full bathroom. One of the bedrooms has been plumbed for use as a laundry room, allowing flexibility for buyers who may wish to prioritize laundry access, storage, or alternate functional space. The floor plan provides multiple configuration options depending on lifestyle needs, including primary residence, second home, or extended-stay use. Outdoor living is a highlight of this property. The acreage offers space for gardening, recreation, or simply enjoying the open mountain air. The elevated setting provides mountain views and a peaceful backdrop ideal for relaxing mornings and quiet evenings. With no known restrictions, the land offers added flexibility for future use, subject to buyer verification of zoning, permits, and local regulations. All furnishings may convey with the property for an additional cost, providing an optional turnkey opportunity for buyers seeking convenience or continuity of use. Due to its location, acreage, and flexibility, the property may be suitable for buyers exploring use as a vacation home or income-producing property, including short-term or long-term rental opportunities, where permitted. Buyers are encouraged to conduct their own due diligence regarding rental regulations, licensing, and occupancy requirements. The location offers convenient access to many of Ashe County’s most well-known natural and recreational attractions. The Blue Ridge Parkway is nearby, providing scenic drives, overlooks, and hiking access. Doughton Park offers miles of trails, picnic areas, and panoramic views. New River State Park provides opportunities for kayaking, fishing, and riverside recreation along one of the oldest rivers in North America. Mount Jefferson State Natural Area and the nearby towns of West Jefferson and Jefferson offer shopping, dining, galleries, farmers markets, and community events. The broader Ashe County region is supported by a diverse employment base, including Ashe County Schools, healthcare services such as Ashe Memorial Hospital and regional clinics, construction and skilled trades, light manufacturing, and a strong tourism and hospitality sector driven by seasonal visitors to the High Country. This property offers a rare combination of unrestricted acreage, mountain views, and flexible potential in one of western North Carolina’s most scenic regions. Whether used as a full-time residence, seasonal retreat, or future investment opportunity, 455 Gaither Poe Road provides space, setting, and opportunity in a peaceful mountain environment.
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.
