This is the one that makes you stop scrolling. Better than new and anything but builder-grade, this home is designed for the way you actually want to live-relax, entertain, and enjoy every space. Step outside first... because this backyard is where you'll want to be. An oversized patio with swing seating, a covered area for shade, extended entertaining space, and a fire pit for cozy evenings-all surrounded by a beautifully manicured yard. It's the kind of space where weekends turn into memories. ________________________ Inside, the home opens up to a layout that feels both inviting and elevated. The kitchen anchors the space with an expansive granite peninsula for gathering, bar seating, gas cooking, modern statement lighting, and abundant storage-all flowing seamlessly into the main living area. And then there's the living room-the true showpiece. A custom floor-to-ceiling media wall with integrated surround sound, sleek linear fireplace, and ambient accent lighting creates a space that feels straight out of a design magazine while still being warm and livable. The downstairs primary suite offers a true retreat, complete with a bay window sitting area and a spa-like bath featuring a soaking tub and separate shower. ___________________ Flexibility is everywhere in this home. A front flex room can be a formal dining space, office, or sitting room. A second flex room, currently set up as a custom bar and entertainment area, can easily transform into a home office, gym, playroom, private retreat, or even a 5th bedroom-seller can remove the bar setup if desired. ____________________ When it's time to entertain, this home delivers. The media room is ready for it all, with tiered seating, projector setup, and a custom dining ledge-perfect for movie nights, game days, or hosting friends. ______________________ And beyond the home, the community adds even more to love-enjoy neighborhood amenities including a pool, playground, clubhouse, and scenic walking trails. With over 2,400 square feet of thoughtfully upgraded space, every detail feels intentional, elevated, and move-in ready. _______________________ Not cookie-cutter. Not basic. Just a home that stands out the moment you walk in.
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.
