Experience the perfect balance of modern design, quality craftsmanship, and everyday functionality in this stunning new construction home by Poinsett Premier Homes. Best of all, there is NO HOA, giving you the freedom to enjoy your home without additional restrictions or fees. From the welcoming front porch to the bright and airy interior, every detail has been thoughtfully designed. A dramatic two-story foyer creates an impressive first impression, opening into a spacious floor plan where natural light and seamless flow make the home feel both elegant and inviting. Luxury vinyl plank flooring extends throughout the entire main level, complemented by recessed lighting, designer finishes, and carefully selected details that elevate every space. The living room serves as the heart of the home, anchored by a built-in electric fireplace and open to both the dining area and kitchen for effortless entertaining. Designed to impress, the kitchen combines beauty and functionality with quartz countertops, a custom tile backsplash, soft-close cabinetry, stainless steel appliances, deep farmhouse sink, and a large center island offering both storage and seating. Glass-front upper cabinets provide the perfect place to display favorite serving pieces and décor while adding character and charm. The covered rear patio creates an ideal outdoor living space for everything from morning coffee to weekend cookouts and evening gatherings. Beyond, the backyard offers seasonal mountain views and plenty of room to create the outdoor retreat that best suits your lifestyle. Privately situated on the main level, the primary suite offers a peaceful escape featuring a tray ceiling and a beautifully appointed bath complete with quartz countertops, dual sinks, soft-close cabinetry, a deep soaking tub positioned beneath a window, a tiled walk-in shower, and tile flooring. A convenient laundry room with direct garage access and a stylish main-level powder room add practicality to everyday living. Thoughtfully illuminated stair lighting guides you upstairs where four additional bedrooms provide exceptional flexibility. Each bedroom features a walk-in closet, including one oversized room that could easily function as a bonus room, media room, home office, fitness space, or playroom. The upstairs hall bath is equally impressive with dual sinks, quartz countertops, touch-screen mirrors, and a spacious tub/shower combination. Additional storage and convenience continue in the two-car garage, complete with a dedicated yard door. Perfectly located just off Highway 25, this home offers quick access to everything that makes the Travelers Rest area so desirable. Spend weekends exploring the Swamp Rabbit Trail, enjoying concerts and events at Trailblazer Park, dining in charming downtown Travelers Rest, or hiking the trails at Paris Mountain State Park, all just minutes from your front door. New construction. No HOA. Designer finishes. Seasonal mountain views. A location that puts adventure, recreation, and small-town charm within easy reach. This is more than a home—it's a lifestyle. *An additional lot is available for purchase for an ADU, detached garage or additional home. Seller will be seeding the backyard at the time of listing. Photos included to show both.
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.
