Designed for those who appreciate space with intention, this exceptional 6,867-square-foot residence offers a rare combination of refined craftsmanship, architectural separation, and effortless livability. With 5 bedrooms, 5 full baths, a fully finished executive luxury basement, and a three-car garage including a separate 15' x 22' oversized custom bay the home is thoughtfully laid out to support multi-generational living, long-term guests, or distinct household zones all while maintaining a cohesive, elevated feel throughout. Set on a private .72-acre wooded homesite backing to the 6th tee box in Hasentree, the property offers both privacy and prestige. Every level of the home provides its own gathering spaces and retreats, allowing residents and guests to enjoy independence without sacrificing connection. At the heart of the home, the gourmet kitchen showcases site-finished hardwood floors, custom glazed raised-panel cabinetry with crown trim, under-cabinet lighting, and glass display cabinets that balance warmth and sophistication. A substantial granite island with bar seating anchors the space, complemented by pendant lighting, a designer tile backsplash, double wall ovens with convection microwave, a gas cooktop beneath a custom range hood, and premium finishes throughout. The adjoining breakfast area is flooded with natural light from skylights and expansive windows, framing serene views of the secluded backyard. The kitchen opens seamlessly into the vaulted family room, where a dramatic stone-surround gas fireplace and wall of windows create an inviting yet refined gathering space. The main level is anchored by a well-appointed owner's retreat, offering plush carpeting, crown molding, a tray ceiling with decorative medallion, and abundant natural light from multiple windows. The spa-inspired bath features tile flooring, dual granite vanities, a tray ceiling, plumbing in place for a freestanding tub, and an impressive oversized tiled shower with dual, separate shower areas each with double showerheads. An additional main-level bedroom provides flexibility for guests or extended family. The finished executive luxury 10-foot tall basement is truly a great space for large-scale entertaining and extended-stay guests. A custom kitchenette anchors the space, while a game room, billiards room, recreation area, and spaces for anything you can imagine create multiple zones for gathering. Additional rooms include a yoga or exercise studio, office, flex room or bedroom, and a full bath with direct access from the bedroom, allowing this level to function semi-independently if desired. A second gas log fireplace with a soaring stone surround adds warmth and architectural presence, while generous unfinished storage and a mechanical room ensure practicality matches scale. Outdoors, the fenced backyard is designed for entertaining and quiet retreat alike, featuring a fire pit with stone knee wall and tranquil golf course views. The covered front porch with slate flooring overlooks the expansive front yard, reinforcing the home's sense of arrival. Residents enjoy the full lifestyle offerings of Hasentree, including a Tom Fazio-designed championship course, multiple resort-style pools with waterslide, tennis and pickleball courts, spa and fitness facilities, fishing pond, and a vibrant clubhouse with dining and year-round activities. Surrounded by 350+ acres of preserved open space and trails, the community is minutes from Falls Lake and convenient to Raleigh. Additional highlights include a central vacuum system, water softener, security and motion sensor wiring, and pre-wiring for speakers throughout further reinforcing the home's thoughtful design and long-term livability. This is not simply a large home. It is a residence designed to be fully utilized and elegantly lived in.
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.
