Welcome home to this beautifully maintained two-story residence with a fully finished basement, offering an exceptional blend of modern style, functional living, and energy efficiency all wrapped in charming farmhouse-inspired curb appeal. The board-and-batten exterior, two-car garage, and freshly landscaped front yard create an inviting first impression from the moment you arrive. Step inside to a welcoming foyer featuring rich, dark hardwood flooring that flows seamlessly throughout the main level, setting the tone for the clean, contemporary aesthetic found throughout the home. The open-concept layout connects the living, kitchen, and dining areas in a way that's ideal for everyday living and entertaining alike. The living room is bright and comfortable, anchored by a sleek wall-mounted electric fireplace and large windows that frame peaceful wooded views — a serene backdrop that makes this space feel like a true retreat. The kitchen is a standout, offering white shaker cabinetry, granite countertops, a large island with bar seating, a gas range, stainless steel appliances including a smart French door refrigerator, a mosaic tile backsplash, and recessed lighting throughout. The adjacent dining area flows effortlessly to the back deck through a glass door, creating a natural connection to the outdoors perfect for morning coffee or evening gatherings. Upstairs, the spacious primary suite impresses with a tray ceiling, plush carpet, and a generous layout with room for a full furniture arrangement. A dedicated upstairs laundry room adds everyday convenience right where you need it most. The secondary bedrooms are well-sized with neutral finishes and comfortable carpet, ideal for family members, guests, or a home office. The finished basement is a true bonus, offering incredible versatility and valuable additional living space. Whether you envision it as an in-law suite, entertainment hub, or income-producing opportunity, this level delivers complete with a spacious rec room, a wet bar area with dark wood cabinetry, marble-look countertops, a full-size stainless refrigerator, and a sink. A private bedroom with its own full bathroom featuring a stunning floor-to-ceiling marble-look tiled walk-in shower rounds out the lower level. Epoxy-coated floors and recessed lighting give the space a polished, finished feel throughout. Outside, the back deck overlooking a private, wooded backdrop offers the perfect setting for relaxing or entertaining. And perhaps one of the most compelling features of this home: a solar panel system already in place, offering significant energy savings and long-term value for the next owner. This home truly checks every box; style, space, versatility, and sustainability. Schedule your showing today before it's gone.
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.
