Welcome to 856 Crocker Court — a beautifully upgraded newer home tucked away in one of Williams’ most desirable cul-de-sac locations. Built in 2019 and offering over 2,400 square feet of thoughtfully designed living space, this 5-bedroom, 3-bath residence blends modern comfort, functionality, and the kind of backyard setup that’s ready for summer memories from day one. From the moment you arrive, the pride of ownership is impossible to miss. Inside, you’ll find a bright and open floorplan with spacious living areas, abundant natural light, and a seamless flow that makes the home feel both welcoming and elevated. Rich alder casing craftsmanship in the entryway creates a warm and custom first impression, while the stunning alder beam detail in the living room adds character, texture, and a refined architectural touch that truly anchors the space. The kitchen serves as the centerpiece of the home with generous counter space, extensive cabinetry, and an oversized island perfect for entertaining, hosting holidays, or everyday life. A downstairs bedroom and full bathroom provide ideal flexibility for guests, multi-generational living, or a private office setup. Upstairs, the spacious primary suite creates a relaxing retreat, while the additional bedrooms offer room to grow, work, or unwind. Step outside and you’ll quickly realize what makes this property stand out. The backyard features an above-ground pool surrounded by a custom redwood deck, creating the perfect space to relax, entertain, and enjoy warm Northern California evenings. Whether you’re hosting family BBQs, cooling off in the summer, or simply enjoying quiet evenings under the stars, this backyard was designed to be enjoyed. Additional upgrades include a leased solar system to help offset energy costs and a water softener system already in place for added comfort and convenience. Located just minutes from schools, parks, local dining, and easy I-5 access, this home offers the perfect balance of peaceful small-town living with commuter accessibility. This is the kind of property that simply feels good the moment you walk in — modern, spacious, upgraded, and ready for its next chapter. Welcome home.
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.
