Beautifully maintained and enriched with thoughtful upgrades and custom touches, this home offers a refined, welcoming alternative to the ordinary. Set on a premium lot in a peaceful yet convenient location, it delivers the ideal balance of privacy and accessibility. Inside, warmth and sophistication define every space. Whether you're working from a dedicated home office, enjoying cozy evenings by the fireplace, or unwinding in a spa-inspired bath, this home elevates everyday living. The chef's kitchen is a true centerpiece, featuring a gas cooktop, double convection wall ovens, a spacious pantry, an oversized island, and generous counter space—perfect for effortless meal prep and seamless entertaining. Custom architectural bump-outs enhance all three levels, adding both square footage and character. The main-level office can easily function as a guest or in-law suite, with an adjacent powder room. Upstairs, you'll find three spacious bedrooms and two full baths, including a luxurious primary suite with a sitting area, dual walk-in closets, and a beautifully appointed en-suite bath. A versatile loft offers endless possibilities—library, reading nook, play space, or potential fourth bedroom. The finished basement is designed for both fun and function, featuring an oversized game room with a wet bar rough-in, a full bath, an exercise room, ample storage/utility space, and a smart home hub. Step outside into impressive outdoor living areas: a beautifully landscaped yard, a deck ideal for relaxation or entertaining, and a large, covered patio with an integrated gutter system for year-round enjoyment. Built-in speakers on the main and lower levels set the perfect tone for gatherings. The community adds even more to love with walking paths, tot lots, fitness stations, basketball courts, and dog parks steps away. Convenient to major commuter routes, shopping, dining, and entertainment, this home offers a rare combination of comfort, style, and everyday ease. ***Bonus: An assumable loan at approximately 2.75% interest is available to qualified buyers (subject to lender approval and eligibility).
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.
