HOT? Think pool days. Porch nights. Repeat. This 3,254-square-foot home on .57 acres was built for the way people want to live, with a refreshing backyard pool, a screened porch overlooking mature trees, and dramatic accordion-style glass sliding doors that transform the living room into an extension of the outdoors. Step inside and the 18.5-foot foyer immediately sets the tone. Natural light pours through oversized windows, hardwood floors stretch across the main living areas, and a thoughtfully designed floor plan delivers the space, flexibility, and flow buyers are searching for. At the center of the home, the kitchen anchors the main living spaces with quartz countertops, a farmhouse sink, Wolf gas cooktop, Wolf wall oven, Wolf steam/convection oven, Bosch dishwasher, trash compactor, soft-close cabinetry, built-in organizers, and a walk-in pantry that rivals many custom homes. The breakfast area and living room connect directly to the screened porch through a dramatic accordion-style opening, creating seamless indoor-outdoor living and instantly expanding your entertaining space. A gas fireplace adds warmth and character to the main living area. Upstairs, the primary suite feels like its own private retreat with a tray ceiling, oversized walk-in closet complete with built-ins and island storage, and a spacious bath featuring dual vanities, a double-head shower, linen storage, and a private water closet. Secondary bedrooms include walk-in closets and a thoughtfully designed Jack-and-Jill bath with separate vanity and toilet areas that make busy mornings easier. The walkout lower level adds another layer of versatility with a large recreation room, 2nd fireplace, full bath, built-in cabinetry, private exterior access, and a flexible bonus room that's perfect for overnight guests, hobbies, fitness, or a home office. Outside, the backyard becomes the star of the show. White the screened porch overlooks mature trees, the pool creates a private setting for summer gatherings, weekend cookouts, and lazy afternoons at home. Add in the custom-built 14x12 storage building, and you'll have plenty of room for tools, equipment, and seasonal storage without sacrificing any of the epoxy finished garage space. It feels more like a private retreat than a typical suburban backyard. Nearby conveniences include White Deer Park (~5 mins), Lake Benson Park (~5 mins), White Oak shopping, dining and entertainment (~10 mins), Downtown Garner (~10 mins), Downtown Raleigh (~20 mins), WakeMed Raleigh Campus (~20 mins), Lake Wheeler Park (~20 mins), and Raleigh-Durham International Airport (~30 mins). The pool. The accordion-style indoor/outdoor living. The walkout lower level. Add in the oversized garage, tankless water heater, custom storage, and wooded setting, and you've got a home that stands apart from the competition. Schedule your showing and experience it for yourself.
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.
