Stunning, light-filled home offering exceptional space, refined finishes, and a beautifully functional layout. A dramatic two-story foyer welcomes you with a custom chandelier, skylights, coat closet and marble flooring. Off the foyer is a private office with custom built-in work station and hardwood floors. The main level features a sun-filled living room and an elegant formal dining room, both with full window surrounds and hardwoods. A rear gallery hallway connects to a stylish powder room, walk-in pantry, and a spacious laundry/mudroom with access to the oversized two-car garage. The chef’s kitchen boasts custom cabinetry, leathered granite countertops, Jenn-Air induction cooktop with Zephr steel range hood, stainless JennAir appliances including double ovens, trash compactor, dishwasher and refrigerator and a large breakfast room with breakfast bar featuring JennAir Wine fridge and access to the private deck and fully fenced backyard. Open to the kitchen is a warm, Aspen-inspired family room with stone fireplace, skylights, built-ins, surround sound, and deck access. The luxurious owner’s suite offers two custom closets, a separate sitting room, and a spa-like bath with double vanity, large walk-in shower with dual heads, and abundant storage. Upstairs are three additional spacious bedrooms, including one with an en-suite bath and a Jack & Jill bath with double vanity. A large fourth bedroom features vaulted ceilings, three oversized closets and hall access to rear spiral staircase. The daylight walk-out lower level offers expansive recreation space, three storage closets, a kitchenette, and an extra bedroom with a private full bath. Special Features Include: Updated Secondary Bathrooms (Fall 2025), Updated paint (2025), Hardwood flooring on main and upper levels, Recessed lighting and designer fixtures throughout, Two staircases (main and rear spiral), Surround sound system, Oversized two-car garage with automatic openers, Circular driveway with ample parking, Fully fenced backyard with multiple decks, Abundant storage on all levels Daylight walk-out lower level with guest suite, Roof Updated (2011) w/ 50-year warranty (Certainteed Roof), Updated 80 Gallon Hot Water Heater (2026), Updated HVAC - 2 units (both replaced- 2022 & 2024), Sentricon Termite Bait System, Easy access to restaurants, shopping, and major highways **Please contact agent to schedule showing**
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.
