MOUNTAIN VIEWS, BREATHTAKING SUNSETS, SALTWATER POOL and WALKING DISTANCE to TOP-RATED SCHOOLS - all in one of the MOST SOUGHT-AFTER NEIGHBORHOODS! Welcome to a home where comfort, space, and thoughtful UPGRADES come together in a perfect harmony. From the moment you arrive, natural light pours in, creating a warm and inviting atmosphere. The oversized front window fills the main living area with soft morning sun, highlighting the vaulted ceilings, elegant staircase, and MODERN WATER-RESISTANT LAMINATE FLOORS. As you move through the home, the kitchen becomes the heart of it all - beautifully refreshed with QUARTZ COUNTERTOPS, a CUSTOM BACKSPLASH, UPDATED CABINETARY & STAINLESS STEEL APPLIANCES - it opens seamlessly to the family room, where a cozy FIREPLACE creates the perfect setting for gathering and relaxing. You’ll feel the care and attention that has gone into improving every major system - from updated dual HVAC to WATER HEATER & an EV charger. As the day unfolds, the BACKYARD becomes your private retreat. Facing west, it captures warm afternoon light and UNFORGETTABLE SUNSETS! The SALTWATER POOL & SPA invite you to unwind, while 2 PERGOLAS create ideal spaces for outdoor dining or quiet moments. Mature landscaping with LEMON TREE and vibrant CREPE MYRTLE TREES that bloom with BEAUTIFUL FLOWERS in the summer, add color and life throughout the seasons. Wake up to BREATHTAKING MOUNTAIN VIEWS in the primary suite, your personal escape featuring a large walk-in closet, dual vanities, a separate shower with frameless glass enclosure & a soaking tub. Upstairs, the SPACIOUS LOFT offers flexibility to fit your lifestyle - whether it becomes a playroom, home office, or media space. With a bedroom and bathroom on the main level, a 3-CAR GARAGE, and a welcoming layout, this home is designed to support both everyday living and special moments. As you make your way to the end of the QUIET CUL-DE-SAC, you’ll immediately notice the sense of calm and community - it's the kind of street where afternoons are spent outside, enjoying the neighborhood. You’ll love being within WALKING DISTANCE to TOP-RATED ELEMENTARY and MIDDLE schools, and just minutes from Thundersky Park, the Orange Terrace Community Center, library & sports park - making everyday life both convenient and connected for all ages. This is more than just a home - it’s a place where your daily routines feel easier, your weekends feel longer, and every space is designed to be lived in and loved.
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.
