Wake up to golf course views and the quiet prestige of gated living in Kings Grant. Perfectly positioned directly on the golf course, this custom-built 4 bedroom, 2.5 bath home offers the lifestyle buyers are searching for—beautiful scenery, community amenities, and a setting that feels both private and connected.Inside, the main level is warm, polished, and thoughtfully designed with zero carpet downstairs and beautiful hardwood floors throughout. The kitchen features granite countertops, stainless steel appliances, and an easy flow for everyday living, casual meals, and entertaining after a day on the course.The extra-large primary suite is located on the main floor and feels like a true retreat, complete with hardwood floors, a huge walk-in closet, and a remodeled primary bath with elevated finishes. It is the kind of space that makes mornings feel calmer and evenings feel earned.Upstairs, you’ll find three spacious secondary bedrooms, a hall bath, and approximately 600 square feet of finished flex space that offers incredible versatility. Use it as a bonus room, loft, media space, home office, fitness area, or even an additional bedroom setup depending on your needs.With its golf course location, gated community setting, custom-home character, and luxury touches throughout, this Kings Grant home delivers the perfect blend of comfort, function, and everyday resort-style living.Move-in ready, well maintained and conveniently located to all amenities and Fort BraggNew roof in 2018; new upstairs HVAC in 2025; new mini split in bonus room 2018, new dishwasher in 2025, refrigerator only a few month old; new water heater (gas) in 2025 - too many upgrades to list!
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.
