Welcome home to this stunning all-brick retreat, where timeless elegance, thoughtful upgrades, & an unbeatable location come together to create the lifestyle you've been searching for. Perfectly situated in one of Nashville's most desirable school districts between Nolensville & Brentwood, this move-in-ready gem offers exceptional convenience—just 20 minutes from Downtown's vibrant dining, shopping, & entertainment scene, & only 10 minutes from Cool Springs. From the moment you step inside, you'll be captivated by soaring ceilings, abundant natural light, & beautiful hardwood flooring that creates an open, welcoming atmosphere. The elegant formal dining room showcases classic white columns, chair rail detailing—an ideal backdrop for memorable holiday gatherings & celebrations. The spacious great room serves as the heart of the home, featuring a cozy gas-log fireplace & inviting space for relaxing evenings with family & friends. The kitchen offers stainless steel appliances, large pantry, & a bright eat-in breakfast area with ample room to add a large center island for even more entertaining & gathering space. Your private primary suite is a true retreat, complete with hardwood floors and a spa-like bath featuring dual vanities, a soaking tub, separate shower, & custom wood walk-in closet. Two additional bedrooms are thoughtfully positioned in a separate hallway for privacy, offering generous closet space & comfortable accommodations for family or guests. Upstairs, the oversized bonus room with brand-new carpet provides incredible flexibility as a media room, home office, playroom, fitness space, or potential fourth bedroom. Step outside to enjoy a fully fenced backyard perfect for pets & play, along with a spacious deck made for summer barbecues, morning coffee, & evenings under the Tennessee stars. Recent improvements add peace of mind, including a partially encapsulated crawl space, newly sealed driveway and porch, & a 7 year old Owens Corning architectural roof.
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.
