A MUST SEE!!!!! a home that combines timeless design with modern comforts in the friendly Trotter’s Ridge community. A short drive from Fort Bragg, this property offers room to grow without the commute becoming a burden.Step inside and you’re greeted by a dramatic two-story living room that floods the first floor with natural light. The open-concept layout keeps the kitchen, dining, and living areas connected yet distinct. Granite countertops, stainless steel appliances, and a generous center island make the kitchen a hardworking hub. You have both an informal eat-in area for quick meals and a separate dining space for family dinners or special occasions.The owner’s suite is a private retreat on the main level. Tray ceilings and space for a sitting area set a relaxed tone. The bath features double vanities, a soaking tub, separate shower, and an enormous walk-in closet. Nearby, a dedicated laundry/mudroom streamlines daily chores, and an extra closet could easily become a second pantry.Upstairs, three more roomy bedrooms share a large hall bath. A huge bonus/rec room invites movie nights, hobbies, or a home gym. Walk-in attic storage keeps clutter out of sight. Updates in 2018 include durable LVP flooring, fresh paint, new carpet, and a screened porch with ceiling fan—everyday improvements that make a difference without chasing trends.Outside, the fully fenced backyard gives children and pets a safe place to play. Mature landscaping provides privacy and shade without demanding heavy maintenance. The neighborhood also features a community pool, park, and low HOA dues—giving you convenient recreation and peace of mind without extra expense.If you’re seeking a house that respects tradition while embracing everyday comforts, and a location that cuts your commute without sacrificing community, this home is worth your consideration. Homes with this balance of space, updates, and amenities don’t last long—come see why 76 Horse Whisperer Lane could be the place where your next chapter begins.
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.
