Welcome home to this beautifully updated "Blue Colonial" situated on an incredible 1/2 acre, level cul‑de‑sac lot in the highly desirable 22556 Zip Code! With a long list of major renovations completed between 2020–2026, this home offers true peace of mind and modern comfort from top to bottom. Step inside to find a freshly painted interior (2025) in a warm, neutral palette that complements the new main‑level flooring (2024). The home features multiple living spaces, including a flexible living room/office and a cozy family room with a wood stove that opens directly to the patio through Pella French doors with enclosed blinds. Recently installed Smart switches compatible with Alexa add convenience throughout the bedrooms and living areas. The outstanding kitchen boasts sleek stainless steel appliances and beautiful granite countertops added in (2023). On the upper level you will discover all 4 bedrooms and 2 full bathrooms including the newly renovated hall bathroom shower done by Fletcher Homes (2024) and the primary bathroom that showcases tile flooring, tiled out stand up shower, and a brand new countertop (2026). Recent structural and mechanical improvements include: • IntelliJack support system installed by JES (2023) • Main beam replacement, joist sistering, and dehumidifier installed by JES (2024) • Chimney fully rebuilt by Winston Chimney (2025) • New HVAC system with air scrubber and 10‑year parts & service warranty in (2025) • Ceiling fans added to bedrooms and main living areas (2023) • New Upper level hall bathroom vent installed (2024) • New 6 panel interior doors added for a more modern feel (2026). In 2020, the home received a major exterior renovation including a brand new roof, new vinyl siding, gutters with guards, new Pella windows, and new hot water heater! Outside, enjoy a fully fenced backyard with a concrete patio perfect for entertaining! The side‑load 2‑car garage adds fantastic curb appeal and functionality. With **NO HOA**, a long list of high‑value upgrades, and located in the highly sought after Mountain View High School district, this home is move‑in ready and truly is.....your perfect choice!
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.
