Modern luxury meets classic Southern charm in this iconic Laurel Springs stunner—an absolute showpiece from the first glance. Meticulously maintained and sitting proudly on a premier corner lot with a circular drive, this home delivers instant “wow” factor, amplified by fresh designer paint inside and out that turns heads in this coveted gated golf community. Step through the front door and into a bright, airy interior where timeless elegance pairs perfectly with modern upgrades. Nearly every room shows off beautifully refinished hardwoods, and the brand-new kitchen shines with Taj Mahal Quartzite countertops and a sleek, “invisible” induction cooktop that feels straight out of a design magazine. Every detail whispers quality. The main level flows effortlessly—two-story great room, elegant dining room, sunny breakfast nook, and a vaulted home office that makes working from home feel like a privilege, not a task. The primary suite on the main level is a private retreat all its own, complete with a cozy fireplace, doors to the deck, and a spa-worthy bath featuring dual vanities, a soaking tub, and a spacious walk-in shower. Upstairs, three generous bedrooms offer ensuite or Jack-and-Jill baths and plenty of closet space, perfect for family or guests. The ensuite bedroom has brand new hardwoods, and the remaining secondary baths have lush new carpet. And then there’s the terrace level—your personal entertainment hub. Fireside lounge, wet bar/kitchenette, game and media zones, guest suite, plus bonus unfinished space for a workshop or storage. It’s ready for movie nights, game days, and every celebration in between. Outside, the grounds are just as magical. Lush, meticulously maintained gardens wrap the home in color and calm, best enjoyed from the multi-level decks, patios, or the inviting hot tub. With so many thoughtful upgrades—from flooring and bathrooms to paint, windows, lighting, fireplace surrounds and the full kitchen refresh—this home feels like new. Living in Laurel Springs is truly resort-style living every day, with 24/7 gated security, a private Jack Nicklaus-designed golf course, clubhouse, fitness center, pool, tennis, pickleball, playgrounds, and parks. Zoned for top-rated Lambert High School and moments from major roads, this home was designed for those who want everything—style, sophistication, convenience, and community.
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.
