Step into this beautifully furnished 4-bedroom, 2-bath home offering 1444 SqFt of luxurious living space with solar panels to save you money! The Solar Panels Are Fully Paid For! NO HOA! Every corner of this home exudes comfort and style, featuring modern decor and thoughtful design. The living area is perfect for entertaining or relaxing, with abundant natural light streaming through large windows, creating an airy and inviting atmosphere and tile flooring throughout. The spacious living room is perfect for lounging, with plush seating and tasteful accents that complement the home's contemporary style. The gourmet kitchen is a chef's dream, equipped with stainless steel appliances, sleek countertops, and ample cabinet space for all your culinary needs. Whether you are preparing a family meal or hosting friends, this kitchen is designed for both function and flair. Each of the four bedrooms is spacious and well-appointed, offering cozy retreats with ample closet space and stylish furnishings. The primary suite is a true sanctuary, featuring a private en-suite bathroom with modern fixtures and a relaxing ambiance. The additional bedrooms are perfect for family members or guests, and the second full bathroom is equally well-designed with updated features. A convenient in-unit laundry with the washer and dryer included, central heating and air conditioning, unit was purchase in May 2025, and ample storage space. New screens were replaced throughout the home and newer ceiling fans throughout. You will find on the rear side enough space to build an ADU. The two car garage home may open with an APP from your cellphone. The home's prime location offers easy access to local amenities, schools, and parks, making it ideal for families or professionals seeking a blend of comfort and convenience. With a blend of modern sophistication and homely warmth, this fully furnished home is ready for you to move in and enjoy right away. ARLO Cameras Installed throughout the property. Former Vacation Rental Home. Offered Furnished or Unfurnished.
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.
