Beautifully remodeled in 2023, this stunning 4-bedroom, 3.5-bath home is perfectly situated at the end of a quiet cul-de-sac on a large, flat, private lot designed for both everyday living and exceptional entertaining. From the moment you step inside, you’ll notice the luxury vinyl plank flooring throughout the main level, elegant crown molding, and thoughtfully updated finishes throughout. The heart of the home is the show-stopping gourmet kitchen featuring sleek white cabinetry, granite countertops, designer tile backsplash, stainless steel appliances, recessed lighting, under-cabinet lighting, and a large peninsula with seating — ideal for gathering with family and friends. The kitchen opens seamlessly to the spacious family room and breakfast area, creating the perfect open-concept flow for entertaining. The formal dining room and formal living room add additional flexible living and hosting spaces. The inviting family room is filled with natural light and anchored by a modern fireplace feature wall, creating a warm and stylish atmosphere. Just off the kitchen, step outside to the expansive composite deck and stamped concrete patio overlooking the private backyard — the perfect setup for outdoor dining, summer cookouts, and relaxing evenings. Upstairs, the luxurious primary suite is a true retreat featuring a spacious bedroom, walk-in closet, and a spa-inspired en suite bath that feels straight out of a luxury hotel. Enjoy the freestanding soaking tub, oversized walk-in glass shower with designer tile, dual shower heads, elegant finishes, and dual vanities creating the ultimate relaxing experience. Two additional spacious guest bedrooms share a beautifully remodeled hall bath. The fully finished basement offers incredible additional living space complete with a large rec room, custom bar, full bathroom, fourth bedroom (NTC), and laundry area — perfect for guests, entertaining, a home gym, or multi-generational living. Move-in ready with high-end updates throughout, this exceptional home combines luxury, comfort, and privacy in an unbeatable cul-de-sac location close to shopping, dining, schools, and commuter routes. Recent updates - Roof 2022, driveway 2023, bathrooms & kitchen 2022/23, LVP floors, composite deck, stamped concrete patio - last 3 years. Windows 2026 & blinds, HVAC 2026. Water heater 2026. Both sheds convey.
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.
