Welcome to 6003 Brook Falls, a beautifully updated one-story Windcrest garden home offering exceptional indoor-outdoor living. This expansive three-bedroom, two-and-a-half-bath residence spans 2,722 square feet and is thoughtfully designed for comfort and efficiency. With a lush open space to one side for added privacy, the home sits on an oversized lot and blends timeless design with modern upgrades. The home opens to a grand foyer with high ceilings and abundant light, leading naturally into the main living areas. The fully renovated kitchen features a striking 8-foot quartz island, abundant cabinetry, and upgraded finishes that flow seamlessly into the spacious family room. Anchored by a gas fireplace and complemented by a wet bar, the main living space is ideal for entertaining or everyday enjoyment. The privately positioned primary suite offers a true retreat with a spa-inspired bath showcasing customized double vanities, a walk-in shower, a soaking tub, and a large walk-in closet with custom shelving. Direct exterior garden access enhances the serene, resort-like feel. Secondary bedrooms are generously sized with roomy closets, providing comfort and flexibility. Recent improvements include 24 newly replaced windows, fresh interior and exterior paint, new flooring throughout, a mini-split system in the three-car garage, and paid-off solar panels, enhancing energy efficiency and long-term value. Outdoor living shines with newly added decking that connects double covered patios, creating a seamless flow through the garden for dining, lounging, and entertaining. The home is also pet-friendly, featuring doggy doors at both the exterior garage and utility room for convenient access. Ideally located near Windcrest parks, trails, shopping, dining, and major commuter routes, this home offers privacy, functionality, and modern appeal in a well-established community. A video walkthrough is available to showcase the layout, flow, and recent updates in greater detail.
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.
