Enjoy the freedom of wide-open spaces and a relaxed lifestyle while staying conveniently close to everything the Trinity area has to offer. Nestled within the sought-after Oak Ridge community, this exceptional estate offers the perfect blend of peaceful living and modern convenience on 1.69 acres. Thoughtfully designed for both everyday living and entertaining, the home features 5 bedrooms, 5 full bathrooms, and 2 half bathrooms. A detached 4-car garage includes a spacious studio apartment above, complete with a kitchenette and full bathroom—ideal for guests, extended living, a media or game room, or flexible use. A long private driveway and inviting wraparound porch create a welcoming first impression, while double entry doors open to a soaring two-story foyer. The main living areas are enhanced by new engineered hardwood flooring, offering both style and durability. The open-concept design centers around a chef’s kitchen featuring custom cabinetry with soft close doors & decorative glass accents, a large island, walk-in pantry, and a butler pantry leading to the formal dining room. A casual dining area with French doors overlooks the pool and expansive backyard, and the family room offers a stone wood-burning fireplace for added warmth and character. The main level primary suite provides a private retreat with French doors leading directly to the pool area, dual oversized walk-in closets, and a spacious spa-like en-suite bath. An additional bedroom or office and half bathroom complete the first floor. Upstairs, a second primary suite features its own private bath, along with two additional bedrooms—one with an en-suite. There is also a spacious gym that can easily be converted into an additional bedroom, a private office, another full bath, and a large bonus/loft area complete with a laundry chute. A secondary staircase provides convenient access to the kitchen. Outdoor living is a highlight, featuring an expansive paver deck, a resort-style pool with waterfall, hot tub, outdoor pool bath and a natural setting surrounded by mature trees and abundant wildlife. A custom-built treehouse adds a unique feature, while a freshwater creek at the rear of the property offers peaceful scenery and recreational opportunities. There is plenty of room for all your toys, with ample space to park boats, RVs, and much more! Recent improvements include a new roof on both the home and garage (2023), updated A/C systems including an 18 SEER unit (2023), new engineered wood flooring and baseboards (April 2026), a 30kW Generac commercial grade generator with a 500-gallon underground tank (recently serviced), a new well system installed in February 2026 along with an irrigation well, updated water heaters, pool equipment updates, and septic servicing with a new high water alarm. Ideally located near top A-rated schools, shopping, dining, golf courses, medical facilities, and the Gulf beaches, this property combines convenience with a peaceful, country 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.
