OPEN HOUSE: Saturday & Sunday between 1-3pm* * * Welcome to 8039 Stone Haven Ct—an EXCEPTIONAL WATERFRONT HOME that has been thoughtfully and extensively upgraded from top to bottom. Overlooking the peaceful Stoney Creek, this property offers the perfect blend of modern comfort, functional improvements, and outdoor living designed to maximize the view. Inside, you’ll find a completely refreshed interior featuring NEW flooring across the main living areas, NEW fresh paint throughout, and NEW carpet in all bedrooms. The kitchen is equipped with a full suite of NEW Samsung smart appliances, while a NEWLY added walk-in pantry with an additional refrigerator provides both convenience and extra storage. Both bathrooms have been beautifully updated with NEW vanities, flooring, fixtures, and crown molding—creating clean, modern spaces ready for everyday living. This home goes far beyond cosmetic updates. Major system and infrastructure improvements include a NEW commercial-grade 50-gallon AO Smith water heater, NEW washer and dryer, upgraded electrical panel with RV and hot tub hookups, and NEW fascia, NEW soffit, and NEW gutters—giving buyers confidence and peace of mind. Step outside and experience what truly sets this property apart. Multiple new and improved outdoor spaces include a NEW large elevated deck with stairs, an additional NEW deck off the home, and a completely remodeled NEW front porch featuring premium Fiberon decking, NEW storm door, NEW metal gable, and upgraded lighting. A NEWLY asphalted second driveway and a NEW storage shed add even more functionality. With serene water views, extensive upgrades completed in 2025–2026, and move-in-ready condition, this home offers a rare opportunity to enjoy waterfront living without the worry of future projects. Turnkey, updated, and designed for both comfort and lifestyle—this is waterfront living done right * * * unique feature: unfinished attic loft above garage is waiting for your finishing touches. Make it a functional living area like office, craft room, extra lounge / game room area * * * 2 driveways offers parking for approximately 9 vehicles + an oversized 2 car garage.
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.
