Welcome to 8535 Acoustic Lane, a truly remarkable Amber Link log home with over 5200 sq ft living space located on 5.48 acres and tucked away in the picturesque community of Port Tobacco. Surrounded by trees and nature, this property exudes warmth and character, with inviting wraparound porches, multiple outdoor living spaces, and beautifully landscaped grounds that feature a swim spa, koi pond, fire pit, and generous deck and patio areas. A brand-new roof, installed in 2019 with a transferable 50-year warranty, ensures lasting peace of mind. Inside, the main level welcomes you with soaring vaulted ceilings, an open floor plan, and abundant natural light. The recently added four-season sunroom captures breathtaking views of the wooded setting, offering the perfect place to relax year-round. The gourmet kitchen is appointed with granite countertops, newer stainless-steel appliances, and plenty of space for entertaining. The large owner’s suite has been thoughtfully renovated with a spa-inspired bath in 2024, while two additional bedrooms are served by a spacious hall bathroom. A convenient half bath completes the main level. The fully finished lower level offers even more living space with its own brand-new kitchen, two additional bedrooms, a full bathroom, and an office. With new flooring and fully updated electrical, lighting, and fixtures throughout, this level is ideal for extended family, private guest quarters, or multi-generational living. Separate from the main home, you’ll also find a charming one-bedroom apartment above the detached two-car garage. With its own private entrance, kitchen, and living space, this unit is perfect as a rental, guest suite, or in-law residence. Recent updates in 2025 include a new HVAC system, stove, and dishwasher, making it completely move-in ready. As an added benefit, homeowners here enjoy private access to a community pier and boat ramp on the Port Tobacco River, creating endless opportunities for boating and water recreation. Utilities include well and septic (septic serviced in 2024), SMECO electric, and Suburban Propane gas—offering both convenience and cost efficiency with no water bill. This exceptional property combines the timeless beauty of a log home with modern upgrades and versatile living options. Whether you’re seeking a peaceful retreat, a home with space to grow, or an entertainer’s paradise, 8535 Acoustic Lane offers it all. Schedule your private showing today and discover everything this one-of-a-kind property has to offer.
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.
