OPEN HOUSE SATURDAY (4/11) 11 AM - 1 PM **Best Price in Davis County** Step into a residence where thoughtful design meets elevated living in this elegant five-bedroom, four-bath, fully fenced home with a 36 foot RV pad located in the heart of Davis County and highly sought-after Crystal Creek subdivision in West Point. Nestled on a quiet side street, this exceptional home offers a peaceful and quiet location with minimal traffic and walking distance to best in class Monticello Academy school. The main level welcomes you with an expansive great room, where soaring vaulted ceilings create an airy, light-filled ambiance ideal for both everyday living and elegant entertaining. The kitchen and living spaces are beautifully appointed with granite countertops, stainless steel appliances, stone gas fireplace, upgraded lighting, and LVP flooring delivering a cohesive and sophisticated aesthetic throughout. A generously proportioned owner's suite serves as a private retreat, complete with a spacious walk in closet and tastefully updated 5-piece spa like ensuite bath with jetted tub, as well as 2 additional bedrooms with connecting Jack and Jill bathroom. Everyday main level living and functionality is seamlessly integrated, with a conveniently located laundry area just steps from the primary bedroom. Outdoors, the home continues to impress. A large covered patio provides the perfect setting for quiet mornings or evening entertainment and grilling, all while taking in serene mountain views. The fully landscaped four season grounds feature manicured flower beds, four-zone underground sprinkler irrigation, durable vinyl fencing, and rare double-sized RV parking-offering both beauty and practicality. The lower level is fully finished with recessed lighting extending the living space with a welcoming family room, 2 bedrooms, a full bathroom and a dedicated home theater designed with stadium seating for an immersive cinematic experience. Ideally situated near Highway 193, the home offers effortless access to I-15 and Legacy Parkway, placing schools, shopping, and local parks just minutes away. This is a residence where luxury and livability come together in perfect harmony- welcome home to 82N 2875W! Seller requests no showings until the Open house
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.
