Timeless sophistication meets everyday comfort in this beautifully appointed estate located in the prestigious Vanstory Hills community and ideally positioned on a quiet cul-de-sac, all set on 1.02 private acres. A welcoming foyer with elegant wainscoting sets the tone as you enter this exceptional residence, offering 5 bedrooms and 5.5 bathrooms, plus 2 additional rooms with closets that could easily serve as bedrooms, home offices, fitness rooms, or flexible living spaces. Seamlessly blending classic architectural elegance with extensive modern updates, the home has been freshly painted throughout and thoughtfully renovated to showcase rich hardwood floors, sun-drenched living spaces, and refined finishes that create an inviting atmosphere from the moment you arrive.The chef-inspired kitchen is a true centerpiece, featuring granite countertops, custom cabinetry, stainless steel appliances, a gas range, farmhouse sink, and abundant workspace for effortless entertaining and everyday living. Luxuriously updated tiled bathrooms enhance the home's appeal, while the private top-level primary suite serves as an extraordinary retreat complete with a wet bar, built-in shelving, dedicated TV lounge, and a spa-inspired ensuite bath featuring a relaxing jetted tub. Designed for both comfort and efficiency, this meticulously maintained home features a new roof installed in 2025, a recently installed furnace, heat pumps, central forced-air systems, and supplemental wall units, providing flexible climate control throughout the residence. Step outside to the expansive deck overlooking the serene grounds, offering the perfect setting for gatherings or quiet evenings outdoors. Updated fixtures, ceiling fans, and designer lighting throughout the home further elevate its modern appeal.A finished garage floor further reflects the attention to detail and pride of ownership found throughout the property.**With virtually every space recently updated and an unbeatable location just minutes from Haymount, Downtown Fayetteville, Segra Stadium, and Fort Liberty, this remarkable Vanstory Hills estate offers the perfect combination of luxury, privacy, convenience, and timeless appeal. Offering exceptional flexibility, generous living space, and room to grow, this one-of-a-kind cul-de-sac property presents a rare opportunity in one of Fayetteville's most sought-after neighborhoods. Too many updates to list—please see the Transaction Desk for a complete detailed list of improvements and upgrades.Please use shoe covers provided at front door
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.
