Welcome home to this beautifully updated and meticulously maintained 6-bedroom, 2.5-bath residence in the heart of West Springfield. Since 2023, this home has been thoughtfully transformed with high-quality upgrades designed for modern living, effortless entertaining, and exceptional outdoor enjoyment. Step inside to a completely reimagined open-concept kitchen and expansive main living area. Walls were removed to create a spacious, flowing floor plan centered around a stunning oversized island—perfect for gathering with family and friends or everyday living. The remodeled kitchen features sleek gray shaker cabinetry, quartz countertops, stainless steel appliances, subway tile backsplash, skylights, recessed lighting, and luxury finishes throughout. The versatile lower level currently offers additional bedroom space and flexibility for larger households, guests, home offices, or hobby rooms. For buyers seeking more open recreation or entertainment space, portions of the lower level could easily be converted back to a more open layout. The home also offers exceptional storage, including a large encapsulated crawl space with abundant storage capacity and a spacious rear garage storage room. One of the most unique and valuable features of this property is the professionally integrated swim spa and outdoor entertainment area, creating a true year-round backyard oasis. The swim spa functions as both a wellness retreat and entertainment centerpiece, offering hydrotherapy, resistance swimming, low-impact exercise, year-round relaxation, and an easy-to-maintain luxury experience. The backyard transformation includes an expanded composite deck designed around the swim spa, a structural retaining wall with reinforced spa setup, dedicated outdoor entertainment space, retractable awning, outdoor TV setup for game days and movie nights, gas-line hookups for the grill and patio heater, an electrically connected storage shed, and new vinyl privacy fencing that creates a secluded, resort-style atmosphere. The elevated deck layout creates seamless indoor-outdoor flow, especially with the open-concept kitchen nearby. Whether hosting summer cookouts, fall football gatherings, winter spa nights, or simply unwinding after work, this outdoor space was designed to be enjoyed year-round. Mature trees and upgraded fencing further enhance the peaceful and private setting while still offering the convenience of a prime Springfield location. Car enthusiasts, RV owners, and boat owners will appreciate the expanded driveway with ample parking for multiple vehicles, trailers, RVs, or boats. Additional improvements and maintenance highlights include a new electrical panel, furnace scrubber installed for cleaner airflow and mold prevention, regular seasonal HVAC servicing, quarterly pest control, and professional lawn care. This home combines thoughtful upgrades, functional living space, and exceptional outdoor amenities in one move-in-ready package. Conveniently located near major commuter routes, Metro/VRE access, shopping, dining, and more, this is a rare opportunity to own a truly turnkey home designed for both comfort and entertaining.
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.
