Made in America!! Purposefully curated, proudly built, this home is a statement of craftsmanship, intention, and lifestyle. Custom-built with materials, finishes, and features hand-selected and sourced from within the United States, this one-of-a-kind property offers a level of thoughtfulness and uniqueness that is nearly impossible to replicate. Set on 2 private, flat acres surrounded by mature foliage, the property lives like your own personal country retreat. Step outside to a backyard designed for both relaxation and entertaining, featuring a 16x32 saltwater pool with diving bowl, six-person therapeutic hot tub, Trex deck, fire pit, outdoor shower, and a fully equipped outdoor kitchen with natural gas, 36" grill, 2-burner cooktop, sink, and dedicated canning station with tankless hot water. Whether you're hosting or unwinding, every detail has been considered. The land itself is just as special, high-producing blueberry bushes, enclosed garden beds, herb gardens, and whole-yard irrigation to every planting area create a true farm-to-table lifestyle right in your backyard. Wildlife is abundant, with birds, butterflies, bunnies, and more adding to the peaceful setting. Inside, the home continues to impress with radiant heated floors in the kitchen and bathrooms, extra-tall cabinetry with under-cabinet lighting, upgraded dimmer switches throughout, and thoughtful utility features like natural gas service and a gas-ready range. The flexible 1.5-story layout offers 3 bedrooms on the main level plus a spacious bonus room with half bath, ideal as a 4th bedroom, office, or guest suite. And where this home truly sets itself apart is in both its current livability and future potential, extensive walk-in storage off the bonus room, along with an additional unfinished section on the opposite side of the home that could easily be converted into expanded living space with the addition of a staircase near the secondary bedrooms. A rare opportunity to secure a property with built-in equity and room to grow over time without sacrificing its current comfort and design. Additional highlights include two storage sheds (one with ramp), covered RV carport with electric hookup and sensor lighting, multiple hose bibs, and even a front porch outlet dedicated to holiday lighting. Private, peaceful, and completely unique, this one is truly a unicorn!!
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.
