Completely Refreshed & Move-In Ready in Mount Juliet This beautifully designed home showcases a striking brick and stone exterior, complemented by a spacious three-car garage and exceptional curb appeal. Offering approximately 3,500 square feet, the home has been thoughtfully refreshed to deliver the clean, modern feel today’s buyers are looking for—while maintaining its original warmth and character. Step inside to a bright, cohesive interior professionally painted in a soft, designer-selected white palette. The kitchen—truly the heart of the home—has been fully refreshed with newly painted cabinetry, updated hardware, and a crisp, contemporary look that pairs perfectly with the existing granite countertops, stone backsplash, stainless steel appliances, and generously sized pantry. Plantation shutters throughout add timeless elegance while enhancing natural light and privacy. The inviting living room features a cozy gas fireplace, creating a warm and welcoming space for both everyday living and entertaining. Rich hardwood floors, updated fixtures, and thoughtful finishes throughout elevate the home’s overall style. The oversized primary suite offers a true retreat, complete with an expansive walk-in closet providing exceptional storage. Step outside to a covered back patio with an outdoor fireplace—perfect for year-round entertaining or relaxing evenings at home. Additional highlights include two new HVAC systems installed in 2025, both with transferable 10-year warranties. Blending space, functionality, modern updates, and timeless appeal, this home is a rare opportunity in one of Mount Juliet’s most desirable areas. If you’ve seen this home before, you haven’t seen it like this.
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.
