Welcome to the kind of home that doesn’t just check boxes—it captures hearts the moment you arrive. From the instant you step onto the expansive front porch, you’ll feel it… that rare blend of charm, warmth, and possibility that today’s buyers are searching for but rarely find. This 3-level, 3-bedroom, 2-bath bungalow is more than a home—it’s a lifestyle upgrade wrapped in character and comfort. Step inside and be greeted by rich wood floors, elegant crown molding, and chair rail detailing that set the tone for refined yet inviting living. The sun-filled living room centers around a classic wood-burning fireplace, creating the perfect backdrop for cozy evenings and unforgettable gatherings. The heart of the home—your beautifully upgraded kitchen—features stainless steel appliances, recessed lighting, a center island, and upgraded countertops, designed to bring people together effortlessly. Whether you're hosting holidays in the formal dining room or enjoying quiet mornings with coffee, every space flows with intention. Retreat upstairs to your private sanctuary, where the primary bedroom boasts a cedar closet and serene ambiance, while the spa-inspired bath invites you to unwind in a luxurious jetted soaking tub with designer finishes. Downstairs, the fully finished basement unlocks a whole new level of living—complete with a second fireplace and wet/dry bar, making it the ultimate entertainment zone, guest retreat, or income-generating opportunity. Step outside and fall in love all over again. A screened-in back porch offers the perfect escape for peaceful evenings, while the fully fenced backyard delivers space, privacy, and endless potential. Host summer cookouts at your built-in brick grill, create your dream outdoor oasis, or expand the home to match your vision. And here’s what truly sets this property apart… NO HOA. NO LIMITS. ALL POSSIBILITY. Build the addition you’ve always wanted—a solarium, an extended chef’s kitchen, a home office, or even expand your outdoor living space. This is your opportunity to not just buy a home—but to create your forever vision without restrictions. Complete with a detached two-car garage, extended driveway parking, modern security features, and energy-efficient windows, this home offers both peace of mind and practical luxury. Homes like this don’t sit—they spark competition. If you’ve been waiting for something special… this is it. Schedule your private tour today—and come prepared to fall in love and submit your strongest offer.
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.
