AGENTS - PLEASE VIEW AGENT REMARKS IN BRIGHT MLS. SHOWINGS TO BEGIN WITH THE OPEN HOUSES. FRIDAY 4-7:30PM | SUNDAY 11-1PM. Welcome to 6222 Islington St! This 3 BR & 2.5 Bath brick front home built in 2019 located in Greenleigh at Crossroads is stunning and meticulously maintained, perfectly blends modern comfort with elegant and timeless design. You'll love the location within the community as you are just 2 short blocks from the clubhouse and pool! From the moment you arrive, you’ll be impressed by the beautiful curb appeal and inviting exterior that set the tone for what lies inside. Step through the front door and discover luxury vinyl plank flooring that flows seamlessly throughout the main living areas, providing both durability and style. The cozy carpet on the stairs, lower family room, and bedroom level adds warmth and comfort underfoot, creating a welcoming atmosphere for family and guests alike. The entry level of this thoughtfully designed home offers a spacious family room that is perfect for relaxing or entertaining, along with ample storage options to keep your living spaces clutter-free. Utility areas are conveniently located here, as well as a well-appointed half bath for guests. Direct access to the attached 2-car garage makes coming and going a breeze, especially when carrying groceries or other items inside. Upstairs, you’ll find an open-concept living, dining, and kitchen area that truly serves as the heart of the home. The kitchen is a chef’s dream, featuring a large island with plenty of seating space, a generous pantry for all your storage needs, and striking dark 42-inch cabinets that provide both beauty and functionality. This space opens directly onto a beautiful Trex deck, perfect for outdoor dining, summer barbecues, or simply enjoying your morning coffee while taking in the fresh air. The seamless flow between indoor and outdoor living spaces makes entertaining effortless and enjoyable. The bedroom level is designed with comfort and privacy in mind, offering three spacious bedrooms and two full bathrooms. The primary suite is a true retreat, boasting a coffered tray ceiling that adds architectural interest and elegance. The ensuite bathroom features dual vanities, providing plenty of space for two, and a luxurious dual-head shower adorned with ceramic tile, creating a spa-like experience in the comfort of your own home. Additionally, the laundry area is thoughtfully located upstairs, making household chores more convenient and efficient. Every detail of this home has been carefully considered to provide a perfect balance of style, comfort, and practicality. Whether you’re hosting family gatherings, enjoying quiet evenings, or simply relaxing in your private sanctuary, 6222 Islington St. is ready to welcome you home. Don’t miss the opportunity to make this exceptional property yours and experience all the wonderful features it has to offer! Please schedule all showings online via Showing Time. Offers may be entered ONLINE through Friday, December 19, 2025 at 5:00 pm. AT SELLER'S DISCRETION, AN OFFER MAY BE ACCEPTED AT ANY TIME.
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.
