This exceptional home is a rare find, ideally located in a highly sought-after neighborhood and offering the perfect blend of comfort, style, and functionality. NEW ROOF APRIL 2026! A charming covered front porch warmly welcomes you and sets the tone for the inviting interior that awaits. Step inside to a beautiful foyer featuring hardwood flooring that leads into a bright and spacious living room. Freshly painted and move-in ready! The living room showcases a soaring vaulted ceiling, a cozy gas fireplace, and an open-concept layout that flows seamlessly into the dining area—creating the perfect space for both everyday living and entertaining. The impressive dining room offers ample space to accommodate large gatherings and overlooks the expansive backyard through large windows that fill the home with natural light. The outdoor space is equally appealing, featuring a fully fenced vinyl privacy fence and a patio area ideal for barbecues, outdoor dining, and relaxing evenings. The well-appointed kitchen is truly the heart of the home and will delight any cook. It features beautiful granite countertops, rich darker-toned cabinetry, and a spacious U-shaped layout that provides generous counter space for meal preparation. A convenient breakfast bar offers additional seating for casual dining or morning coffee. All appliances are included, making this kitchen both stylish and functional. The laundry room is an unexpected highlight of the home, thoughtfully designed with custom cabinetry surrounding the washer and dryer to provide exceptional storage and organization for all your laundry needs. The spacious primary suite offers a peaceful retreat with its vaulted ceiling and elegant bay window that allows for plenty of natural light. The private ensuite bathroom is equally impressive, featuring a relaxing garden tub set within the bay window area, a double bowl vanity, and a separate shower—creating a spa-like atmosphere perfect for unwinding at the end of the day. Two additional bedrooms are located on the main level, including a generously sized bedroom with its own vaulted ceiling, providing comfort and flexibility for family members, guests, or a home office.The beautifully finished lower level significantly expands the living space and offers endless possibilities. The large recreation or great room is perfect for movie nights, game days, or entertaining guests. A fourth bedroom and a full bathroom provide additional living space that is ideal for guests, extended family, or a private home office. The lower level also includes a spacious storage area featuring two sets of built-in shelving—perfect for organizing seasonal décor and household items. Completing this wonderful home is the highly desirable three-car garage, offering plenty of room for vehicles, tools, and additional storage.This home truly offers space, comfort, and thoughtful features throughout. Don’t miss the opportunity to make this beautiful property your own. Schedule your showing today! Buyer to verify all information.
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.
