SELLER WILL CONTRIBUTE $10,000 TOWARD BUYER’S CLOSING COSTS OR INTEREST RATE BUYDOWN WITH AN ACCEPTED OFFER! Welcome to this better-than-new, beautifully designed white painted brick home located in the highly sought-after Silver Fox Reserve and the brand-new Everwood Elementary School district. This stunning 4BR/3BA property offers modern upgrades, thoughtful design, and an unbeatable location—all wrapped into one move-in ready package. Step inside to a bright, open-concept layout featuring gorgeous LVP flooring throughout the entire main level. The heart of the home is the showcase kitchen, complete with bright white cabinetry, granite countertops, a tiled backsplash, stainless steel appliances, and upgraded light fixtures. The kitchen flows seamlessly into the spacious family room, which boasts coffered ceilings and a stylish electric fireplace, creating the perfect setting for everyday living and entertaining. A bedroom and full bath on the main level offers the ideal setup for guests, in-laws, or multi-generational living. Step outside to the covered back patio overlooking the fully fenced backyard—perfect for morning coffee, grilling, or letting kids and pets play freely. Upstairs, retreat to the large master suite, featuring elegant tray ceilings, a massive walk-in closet, and a spa-like bathroom complete with double vanity sinks, an oversized tiled walk-in shower, and a separate soaking tub. The upper level also includes two additional bedrooms, a full bathroom, a dedicated laundry room, and an oversized loft space—ideal for a home office, playroom, media room, or second living area. The home also features an oversized two-car garage, offering plenty of parking and storage. Prime Location! You’re just a 1-minute walk from the neighborhood pool, close enough for convenience but far enough to enjoy peace and quiet at home. The brand-new interactive kids museum is only a minute away, and the community playground across the street is just a short stroll from your front door. This home is the perfect blend of style, space, and functionality—truly turn-key and better than new construction. Don’t miss your opportunity to own in Silver Fox Reserve. Schedule your private showing today before it’s gone!
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.
