Discover the perfect blend of space, comfort, and rural charm in this beautifully updated 3,000+ sq ft home set on 6+ peaceful acres. With 5 bedrooms, 3 full bathrooms, two living rooms, and an upstairs loft, this property provides endless flexibility for multigenerational living, entertaining, or simply enjoying room to spread out. A scenic, tree-lined driveway welcomes you home, leading to a circle drive that offers easy access and abundant parking. The inviting L-shaped front porch sets the tone—a picture-perfect spot to relax with your morning coffee. Zoned Ag and with no HOA, you have the freedom to live your lifestyle exactly as you wish, whether that means bringing horses, starting a garden, or pursuing your favorite hobbies. Inside, the home immediately feels warm and welcoming. The open kitchen shines with stainless steel appliances, a double oven, freshly painted white and gray cabinetry, bar seating, and an eat-in dining area, and it flows seamlessly into the formal dining room, creating an ideal setup for hosting gatherings. Unique to this home is a mother-in-law suite with its own private exterior access, as well as an additional bedroom that also offers a separate outside entry, making the layout perfect for guests, extended family members, or home-based workspaces. The spacious master bedroom features his-and-her closets, while the en-suite bathroom offers dual sinks and a relaxing soaking tub. Every bedroom in the home is generously sized, and storage is abundant throughout. The additional living room, providing even more flexible space, and the upstairs loft is currently used as a dedicated gaming room. Stepping outside, you’ll find the massive shark-coated screened-in porch, a true extension of the living space that’s perfect for year-round enjoyment. Beyond the porch, a saltwater pool, deck, and gazebo create the ultimate outdoor retreat for relaxing or entertaining. One of the most special features of the property is the fully stocked pond, complete with its own dedicated well, offering peaceful views and excellent fishing opportunities. For those needing space for equipment, hobbies, or animals, the property is exceptionally well-equipped. The grounds include a 2-stall horse barn with power and water, along with two large powered sheds, one of which includes a bay. A brand-new pole barn, two-car carport, and additional parking areas ensure you have plenty of room for vehicles, machinery, and gear. Recent updates—including new LVP flooring throughout, fresh interior paint, repainted kitchen cabinets, updated interior light fixtures, updated exterior fans, and a new pool pump—make this home truly move-in ready from day one. All of this is just minutes from Super Walmart, TJ Maxx, Tractor Supply, Aldi, and more, giving you the perfect balance of peaceful seclusion and modern convenience. This is more than a home—it's a lifestyle. Come experience the space, serenity, and endless possibilities this incredible property has to 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.
