Nestled within the serene enclave of Thunderbird Farm, this exquisite log home offers a harmonious blend of rustic charm and modern luxury, set against a backdrop of breathtaking mountain and river views. Spanning over 3,800 square feet, this meticulously crafted residence is designed for those who appreciate the finer things in life. Step inside to discover an inviting open floor plan that seamlessly connects the living, dining, and kitchen areas, perfect for both entertaining and intimate gatherings. Natural light floods the space through skylights and large windows, highlighting the serenity of the space. The main level boasts a cozy family room with a stunning stone fireplace, creating a warm ambiance for relaxation. The primary suite is a true retreat, complete with a luxurious en-suite bath, fireplace and walk-in closet, ensuring comfort and privacy. Venture downstairs to the fully finished basement, where you'll find a versatile workshop and additional living space, perfect for hobbies or entertaining. The lower level also features convenient access to the outdoors, leading to a beautifully landscaped yard that spans over 6.3 acres. Enjoy the tranquility of nature with private access to the Shenandoah River, just a short stroll away, ideal for canoeing, kayaking, or fishing. The exterior of the home is equally impressive, featuring a wrap-around deck and screened patio, perfect for savoring morning coffee or evening sunsets. The property is adorned with thoughtful landscaping, providing a picturesque setting that feels both secluded and inviting. Additional amenities include a hot tub for relaxation and an oversized garage with ample storage. Located near the Skyline Drive and Shenandoah River Park, this home offers a unique lifestyle that combines luxury living with outdoor adventure. With community water access, you can enjoy the best of both worlds-serenity and recreation. This exceptional property is not just a home; it's a lifestyle waiting to be embraced. Experience the perfect blend of comfort, elegance, and nature in this stunning log home retreat. Recent upgrades include: Septic Inspection June 2026, Septic emptied May 2025, Chimney Cleaned November 2025, New 50 Gallon hot water heater March 2023, New water softener and new larger sediment filters March 2023, New electric pump saver control box February of 2025 with new filters installed, garbage disposal October 2025, Well Maintenance completed in March of 2023 including 300 feet of drilling and new well liner. Air conditioning unit completely replaced in June of 2021, gravel driveway redone in June 2026, wrap around deck stained and painted in May of 2025, landscaping May 2026, ducts cleaned May 2025. PUBLIC OPEN HOUSE JULY 11TH AND JULY 12TH INSIDE PHOTOS COMING SOON Additionally Shenandoah National Park Skyline Drive Entrance (8 Miles), Shenandoah River State Park (12 miles), Downtown Front Royal (8.4 miles), Route 66 (12 miles), Winchester 20 miles, Other local attractions: Skyline Caverns, Luray Caverns, Sky Meadows State Park, Down River Canoe Co., Front Royal Outdoors. Inside photos coming.
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.
