If you’ve been dreaming of mountain views, privacy, and a home that’s already been updated for you—this one is going to feel like the perfect fit. Welcome to 90 High Point Road in Weaverville, where you’ll find a beautifully refreshed 3-bedroom, 2-bath home sitting on approximately 2 peaceful, wooded acres with stunning long-range mountain views that never get old. Whether it’s sunrise coffee or winding down at the end of the day, the scenery here truly steals the show. Step inside and you’re greeted with a bright, clean feel thanks to fresh interior paint and brand-new luxury vinyl plank flooring. The layout is comfortable and functional, making it easy to settle in right away. The kitchen has been updated with a new appliance package and countertops, giving you a fresh, modern space to cook, gather, and entertain. Both bathrooms have been upgraded with new vanities, adding a simple but impactful touch of style. And with a brand-new roof already in place, you can enjoy peace of mind knowing the big-ticket items have been taken care of. Outside, the freshly painted decks are ready for you to relax, host friends, or simply take in the quiet surroundings and incredible views. One of the standout features here is the large detached workshop, offering over 900 square feet of flexible space. Whether you need a garage, a place for projects, extra storage, or even a hobby space, this building opens the door to a lot of possibilities. The location strikes a great balance—tucked away in a peaceful setting, yet still convenient to Weaverville, Mars Hill, and Barnardsville. You’re close enough to enjoy local shops, restaurants, and everyday conveniences, while still feeling like you’ve escaped to your own private retreat. This is the kind of property that’s hard to find—updated, well-maintained, with land, views, and usable space both inside and out. It’s ready for you to move in and start enjoying right away.
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.
