Here is your new home--spacious, stylish, and designed with the whole family in mind. This beautifully updated five-bedroom house offers room to grow, relax, and enjoy everyday life with comfort and ease. With a fresh, modern look throughout, it feels like home from move-in ready from the moment you step inside.The home welcomes you with fresh paint and new Luxury Vinyl Plank flooring in the main living areas, creating a clean, durable, and attractive foundation for daily living. New carpet upstairs adds warmth and comfort, especially in the private spaces where relaxation matters most. The layout is thoughtfully designed to balance shared living areas with personal retreats.The kitchen is both functional and inviting, featuring granite countertops and stainless steel appliances that bring a polished, contemporary feel. Whether you are preparing family meals or hosting gatherings, this space is well equipped and easy to enjoy. It opens naturally to the main living areas, making it ideal for entertaining and staying connected. The master bedroom is conveniently located downstairs, offering privacy and comfort. This spacious retreat includes a large walk-in closet and a luxurious ensuite bathroom with a jacuzzi tubperfect for unwinding at the end of the day. Having the primary suite on the main level adds convenience and flexibility for a variety of lifestyles. Upstairs, you will find four additional bedrooms, providing plenty of space for children, guests, or home office needs. The laundry room is also located upstairs, making everyday chores more efficient and accessible. A second living area upstairs creates a dedicated space for kids, game nights, or movie watching, while a separate living room downstairs allows adults their own place to relax or entertain. Outside, the fenced-in backyard offers a safe and enjoyable space for pets and outdoor activities. Beyond the back fence, there is additional space suitable for boat storage, adding valuable functionality for those with outdoor hobbies or recreational needs. The neighborhood is family-friendly and convenient, with sidewalks that allow kids to safely walk to school. This walkable setting enhances the sense of community and makes daily routines easier and more enjoyable. Altogether, this home combines space, updates, and thoughtful design. With five bedrooms, multiple living areas, modern finishes, and a practical layout, it is a place where families can truly settle in and feel at home. Listing agent is part owner in. the house
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.
