Welcome home to 6113 Omar Ct! This home has been well maintained and thoroughly updated to prepare it for the next lucky owners. At the end of the cul-de-sac, this home draws your attention with its stunning brick arches, setting the tone for the rest of the home. The main level is where life happens as the two story foyer welcomes you in. The inviting kitchen is the heart of this home with all brand new appliances (2026) making it ready for any event. Adjacent to the eat in kitchen is the living room with an updated fireplace (2026) to gather around. Coming in from the two car garage is a mudroom with laundry for a drop and go when arriving home from a long day. A den with French doors, a sitting room, and formal dining room complete this floor. In the back, a Trex deck overlooks the expansive yard and forest. Home to lots of deer, squirrels, and birds, the backyard is a serene and private landscape with plenty of space for activities and quiet relaxation. Truly a dream. Upstairs features three large bedrooms, a hall bathroom, and the owner's suite. The hall bathroom has a new vanity, light fixtures, and mirrors (2026). The owner's suite is a sanctuary, set away from the other bedrooms with an additional sitting room. The primary bathroom en-suite is brand new (2026) and promises a luxurious experience. Relax in the soaking tub facing your private woods or in the oversized shower, both with lighted niches for a touch of elegance. The vanity has tons of storage and the smart mirror is Bluetooth equipped to play your favorite music while taking a hot bath or getting ready for the day. All that and two custom closets! The lower level is set up as an in law suite. A full kitchen with freshly updated cabinets (2026) lots of living space, a full bathroom with jetted jacuzzi tub, a generously sized bedroom, and a private entrance make this space a perfect apartment. If that’s not what you need, then entertaining will be a breeze with all the extra space for meal preparation and activities! The whole home was painted top to bottom to prepare for sale (2026). In addition to all the cosmetic updates made, the systems of the home were not forgotten. The HVAC is dual zoned with comfort and energy savings in mind. The attic system was replaced in 2024 and the basement in 2025. A majority of the windows were replaced in 2025. Come take a look and fall in love!
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.
