Step inside a home that feels like a breath of fresh air. Bright, modern, and effortlessly sophisticated, this residence defines open-concept living at its best. From the moment you enter, soaring light-filled spaces and a contemporary design set the tone. Clean lines, upgraded finishes, and an airy flow create a home that feels both elevated and inviting. At the heart of the home is a gourmet kitchen with upgraded appliances, designed for both everyday living and effortless entertaining—blending style, function, and modern elegance. A rare and highly sought-after feature, the first-floor primary suite offers true convenience and luxury living—perfectly positioned for ease, privacy, and everyday comfort without compromise. This home has been thoughtfully enhanced with a 4-foot extension across the entire property, creating noticeably larger and more expansive living spaces on every level. The second floor features a spacious loft, offering the perfect flex space for a media room, office, or additional lounge area. The fully finished basement extends the living experience even further—ideal for entertaining, recreation, or private guest space. The garage is a true standout, featuring a 4-foot bump-out for added space, a sleek epoxy-coated floor, and a dedicated electric vehicle charging station—blending modern convenience with elevated functionality. This is a rare first-time offering, thoughtfully designed for today’s lifestyle, where comfort, style, and function come together seamlessly. The main living spaces open beautifully, creating an expansive yet warm atmosphere. Natural light fills the home throughout the day, highlighting its modern character and refined finishes. Located in the highly desirable Creekside at Blue Bell community, this home offers more than a place to live—it offers a lifestyle. Refined, low-maintenance, and set within one of Montgomery County’s most sought-after school districts. Turnkey. Timeless. Truly move-in ready. Homes like this don’t come along often—and when they do, they don’t last.
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.
