A VA Assumable loan offered at 3.499% buyer must qualify. Experience this beautiful residence within the impressive Blackstone Country Club Community, where privacy and sweeping golf course views define the lifestyle. This beautifully appointed 4-bedroom, 4-bathroom home showcases an elegant open-concept design, flooded with natural light and thoughtfully selected for both refined daily living and sophisticated entertaining. The greatest part of the home is the large gourmet kitchen, with generous counter space and seamless flow into the main living and dining areas. A stylish butler’s area leads to an oversized walk-in pantry, offering convenience and storage. A private home office is thoughtfully positioned at the front of the home, providing quiet separation from the formal dining area, kitchen, and main living space. The main-floor primary suite offers a serene retreat, complete with a spacious walk-in closet and a spa-inspired en-suite featuring dual vanities. Designed for comfort and privacy, this suite provides a luxurious escape at the end of the day. Upstairs, a generous loft adds flexible living space suitable for a secondary lounge, office, or play area. The upstairs laundry room is very convienientt offering built-in cabinetry and a utility sink. Step outside to the expansive covered deck and enjoy unobstructed views of Hole #4 of the golf course—perfect for enjoyable cookouts, or just enjoying your evening and watching the sunset. The walk-out basement offers limitless potential to create a customized retreat, whether a home theater, entertainment lounge with bar, wellness studio, or a complete living area for in-laws. The backyard enhances the home’s sense of tranquility and privacy while showcasing the surrounding natural beauty. With its thoughtful layout, premium finishes, and exceptional golf course setting, this home delivers a rare blend of luxury, comfort, and timeless appeal. WELCOME HOME!
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.
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