Experience elevated living in this modern, luxury end-unit townhome, thoughtfully designed and filled with high-end upgrades throughout. Spanning FOUR expansive levels, this home offers exceptional space and flow, perfect for everyday living and effortless entertaining. A private ELEVATOR adds both convenience and ease, making it simple to transport groceries, luggage, or move comfortably between floors. From the moment you step inside, you’re welcomed by curated finishes and a striking tricolor shiplap accent wall that sets the tone for the home’s sophisticated design. The living room is anchored by a custom steel, skyline-inspired fireplace that serves as a stunning focal point. The bright, open kitchen features beautiful countertops, ample cabinetry, and generous storage for all your culinary essentials. A large island provides seating for casual meals and opens seamlessly to the breakfast nook, creating an inviting space to gather. The formal dining room is highlighted by a modern bay window and offers an elegant setting for hosting celebrations, holidays, and memorable dinner parties. Upstairs, the primary suite features synchronized remote-controlled blinds and a stylish double-sided accent wall that leads to a spacious dressing room with CUSTOM shelving designed to keep every wardrobe perfectly organized. The primary bathroom offers dual vanities, a beautiful soaking tub, and a tile shower, creating a serene and thoughtfully designed space to unwind. Two additional well-appointed bedrooms and bathrooms provide comfort and privacy for family or guests. Flexibility abounds with two additional BONUS spaces, ideal for a media room, home gym, office, or playroom. The lower-level flex space includes a full bathroom and a newly built-in STORAGE cabinet spanning an entire wall, providing exceptional organization. This versatile area is ideal for a guest suite or private home theater. The top level is an entertainer’s dream, showcasing a ROOFTOP terrace with an invisible retractable screen that preserves unobstructed views, perfect for relaxing evenings or hosting under the stars. Residents enjoy access to exceptional community amenities, including a resort-style pool with waterfall, clubhouse, bocce ball court, and fire pit. Located in a walkable and bike-friendly community, this home is just minutes from dining, shopping, parks, North Point Mall, and Avalon offering a lifestyle that blends luxury, convenience, and connection.
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.
