*Offer deadline for 6428 Deep Calm, is Sunday, May 10th at 5 PM. Please submit your best and final offer, no escalation clauses. The seller reserves the right to accept an offer at any time.* Welcome to 6428 Deep Calm, a well-maintained 4-bedroom, 2.5-bath home featuring a spacious open-concept layout filled with natural light and thoughtful updates throughout. Many updates were completed between 2020 and 2025; please see the documents section for a full list of improvements. Recent highlights include a fully renovated primary bath, updated flooring, fresh interior paint, a new Trex deck in the rear, and a newly added front deck, enhancing both comfort and curb appeal. At the center of the home is a custom kitchen addition designed as a true expansion of the living space. It features exposed wood beams, a tongue-and-groove wood ceiling, multiple skylights, and a large center island. Expansive windows and open sightlines connect the kitchen seamlessly to the main living areas, making it well suited for both everyday use and entertaining. Adjacent to the kitchen, a versatile bonus room currently used as a recreation space offers flexibility for use as a home office, media room, studio, or additional living area. A custom library room adds character with built-in shelving framing an integrated daybed. French doors open to the main living area, providing both connection and separation as needed. Wainscoting in the living room and library/office (2022), along with detailed trim work, adds warmth and craftsmanship, making these spaces ideal for reading, work, or relaxation. The upper level includes a loft that overlooks the main living area, currently utilized as the fourth bedroom, offering a unique and flexible living arrangement. The main living areas extend outdoors to a large, multi-zone deck designed for entertaining and everyday enjoyment. With two access points from the kitchen, the deck supports dining, seating areas, grilling, and additional lounge space. A hot tub and outdoor furniture may convey. Set on a 0.23-acre corner lot, the property offers a fully fenced backyard with gated access on both sides, providing space for pets, play, gardening, or outdoor gatherings. A roof replacement completed in 2018 adds peace of mind. Conveniently located near shopping, dining, parks, and commuter routes, the home offers flexible living spaces and strong indoor-outdoor flow in a desirable setting.
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.
