Welcome to 7085 Bruce Academy Ct—fully renovated and truly move-in ready, with updates you can see and improvements you’ll appreciate every day. From the moment you step inside, you’ll notice the fresh, modern feel created by new interior paint, updated fixtures, and upgraded lighting throughout, giving each space a clean, bright, cohesive look. The renovated kitchen anchors the home with refreshed finishes and thoughtful updates designed for real life—whether you’re making a quick weeknight dinner or hosting family and friends. Clean lines, updated materials, and a crisp, polished look make this a space you’ll love coming home to. Both bathrooms have also been fully renovated with updated finishes and contemporary touches, delivering the “new home” experience without the wait or cost of new construction. Throughout the home, the renovation was completed with an eye toward comfort and function, pairing today’s style with everyday practicality. Updated details—from hardware and fixtures to lighting selections—create a consistent, elevated feel in every room. The result is a home that feels refreshed from top to bottom—no honey-do lists, no immediate projects, and no “we’ll get to that later.” Beyond the interior, the improvements continue outdoors. Enjoy a brand-new deck—perfect for grilling, relaxing with morning coffee, or entertaining on warm evenings. A new off-street parking area adds convenience and flexibility for you and your guests, making day-to-day living even easier and helping keep curb appeal neat and uncluttered. Turnkey, renovated, and ready for its next owner—7085 Bruce Academy Ct is ideal for buyers who want modern updates and low-maintenance living without the renovation headaches. Minutes to Target and all the best shopping locations in Mechanicsville, as well as, being stones throw away from I-295. Be sure to schedule your private showing today and come see how effortlessly it fits your next chapter.
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.
