Range pricing: Seller to counter or accept offers between $324,900 and $349,900! Welcome to 8846 N Willeta Drive, a thoughtfully updated and move-in ready home tucked onto a huge cul-de-sac lot where comfortable living and a peaceful backyard setting come together beautifully. Inside, vaulted ceilings, skylights, and abundant natural light create a bright and open feel from the moment you walk in. With no carpet throughout, the home offers a clean, cohesive design that is both stylish and easy to maintain. The inviting living room is anchored by a cozy wood-burning fireplace, creating the perfect space to relax at the end of the day. The kitchen has been thoughtfully opened up by replacing upper cabinetry with shelving, creating a brighter and more connected space for cooking and gathering Stainless steel appliances, including a 5-burner gas range and new Whirlpool dishwasher, provide both function and convenience. Just beyond the kitchen, the dining area features an expanded picture window--larger than the original design--that beautifully frames views of the backyard, so you can still enjoy the scenery while preparing meals or entertaining guests. The home offers three bedrooms and two bathrooms, including a spacious primary suite with a walk-in closet, dual executive-height vanities, and a custom walk-in shower with dual shower heads. Major updates add valuable peace of mind, including HVAC installed in 2019, upgraded copper water lines, and new windows backed by a transferable lifetime warranty. Additional touches like ceiling fans, security doors at both the front and back entries, and durable tile and laminate flooring throughout make everyday living comfortable and practical. Step outside and you'll discover a spacious backyard designed for both relaxation and entertaining. A charming pergola strung with lights creates the perfect atmosphere for evening gatherings, while mature trees provide shade and tranquility. Seasonal color comes from three trees that turn beautifully in the fall, along with a stunning Vitex tree that bursts into vibrant purple blooms. The yard also features fruit trees, synthetic turf, decorative rock landscaping, a large storage shed, decorative side gate, a high privacy block fence, and a dedicated garden area with built-in drip irrigation for growing vegetables, herbs, or flowers year-round. The neighborhood supports an active lifestyle with amenities including golf, a pool and spa, recreation center, basketball and tennis courts, jogging and bike paths, sidewalks, paved streets, and scenic walking trails, all while being just minutes from shopping, dining, and everyday conveniences. Thoughtfully updated and beautifully cared for, this home offers the perfect balance of natural light, comfort, and outdoor living--with a backyard space and cul-de-sac setting that rarely come along. Come take a look before someone else calls it 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.
