804 Saratoga Road in Aubrey, Texas, is an exceptional Bloomfield home that perfectly combines modern comfort, thoughtful design, and generous living spaces. With five bedrooms, three and a half bathrooms, and a dedicated office, this home provides both flexibility and function for today’s lifestyle. This home’s charming curb appeal and well-maintained exterior set the tone for what awaits inside—a spacious, light-filled retreat ideal for living and entertaining. Step through the front door into an open and inviting floor plan with soaring ceilings and expansive windows. The main living area flows seamlessly into the kitchen, which features premium finishes, abundant cabinetry, stainless steel appliances, a large island, and views of the beautiful backyard. A designated office space at the front of the home provides the perfect environment for working from home or managing daily tasks. The spacious primary suite on the first floor, offers a tranquil retreat and luxurious en-suite bathroom, complete with dual vanities, a soaking tub, a separate shower, and a large walk-in closet. Upstairs, the game room anchors the additional bedrooms, providing a versatile space for recreation or movie nights. Each secondary bedroom is generously sized with ample closet space and easy access to well-appointed bathrooms. Outside, the huge backyard make this property stand out from the rest. There’s ample room for outdoor entertaining, gardening, or a pool. The covered patio offers a relaxing space to enjoy the Texas sunsets and weekend BBQ. Located in the highly sought-after Arrowbrooke community, residents enjoy resort-style amenities including walking trails, parks, playgrounds, and a community pool—all within minutes of shopping, dining, and major highways for easy commuting. 804 Saratoga Road isn’t just a house—it’s a home designed for connection, comfort, and lasting memories. Spacious, elegant, and ideally situated, it’s everything you’ve been looking for in the heart of Aubrey.
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.
