A Home for the Holidays!Welcome to your very own Miracle on Greenview Street. This beautiful home is truly impeccable, thoughtfully updated, and ready to embrace you with comfort and style.Step inside and be greeted by a stunning two-story foyer adorned with modern lighting. To the right, you'll find a generous first-floor office with elegant French doors - a perfect workspace or easily converted into a cozy 4th bedroom. The living and dining rooms are wonderfully spacious, featuring high ceilings that create an open, relaxing atmosphere. The kitchen is a true heart-of-the-home space, offering rich 42-inch cabinets with crown molding, gleaming granite countertops, a large island with a breakfast bar plus a charming breakfast nook ideal for morning coffee.The family room feels bright, airy, and welcoming with its abundance of natural light and soaring ceilings. Upstairs, a lovely loft overlooks the family room and provides a great additional lounge or study space.There is a 1st floor laundry, The primary suite is truly impressive - a grand retreat with a generous walk-in closet and a beautifully renovated private bath featuring sleek tile work and a luxurious custom rainfall shower and separate soaker tub. There are 21/2 baths in total, with the remaining two upstairs bedrooms offering excellent space and sizeable closets.The finished basement expands your living area even further, including a spacious recreation room and a dedicated exercise room. Outdoors, the large backyard is ideal for gatherings, complete with a custom brick paver patio and a recently added privacy fence.Additional highlights include a triple-wide concrete driveway and a roomy 3-car garage with electric door openers.This home is move-in ready and truly a gem - offering so much quality and charm for such an incredible value. There is new flooring throughout most of this home. Come take a look and fall in love!
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.
