Welcome Home! Tucked along a quiet, tree-lined street in one of Apex's most charming established neighborhoods, this beautifully updated home is a rare find — where classic character meets modern charm with the updates and comfort you've been searching for. A few worthy mentions: new roof (2026), new luxury vinyl floors, Trane HVAC recently serviced, Pella vinyl windows and rear sliding door, concrete driveway, quartz countertops, and updated rear deck. From the moment you arrive, the fresh exterior, manicured landscaping, and welcoming front entry set the tone. Step inside and feel the difference: soaring natural light, warm luxury vinyl wood grain finished floors, and a thoughtfully open layout invite you to settle in and stay. The heart of the home is a show-stopping kitchen with views— completely reimagined with quartz countertops, modern white cabinetry with soft close drawers, a beautiful and extremely functional island, subway tile backsplash, stainless steel appliances, and designer fixtures that make every meal feel like an occasion. The adjoining living and dining areas flow effortlessly, perfect for everything from quiet evenings in to lively gatherings with friends. The expansive living room boasts of an exquisite natural stone wood burning fireplace, recessed lighting and tons of natural light. The primary suite is your private retreat, featuring a walk in shower with sleek tile work, and the kind of finishes you'd expect in a higher end build. Did we mention the forth flex room, office, bonus room that could serve as an additional bedroom space when and if needed. Additional bedrooms are spacious, sun-filled, and versatile. Step out on your back porch to experience all the best of your new home. An oversized deck that welcomes relaxation and begs for the opportunity to host. Your nearly one acre lot boasts of mature trees offering shade and privacy — your own slice of North Carolina nature, just minutes from everything Apex has to offer. Shopping, dining, top-rated Wake County schools, and easy access to US-1 and I-540 are all within reach. The property includes a 2-car garage, providing ample parking and storage convenience. This home has been modernized with care, precision, and an eye for what today's buyers truly want. Nothing to do here but move in and love it. 8521 Applecross Circle — Updated. Elevated. Ready for you. Listing agent is a partial owner.
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.
