Step into a home that quietly solves the problems most others can't-space, storage, privacy, and peace of mind-while delivering the kind of setting and craftsmanship that's simply unforgettable. Set on 1.19 acres across two parcels in desirable Sleepy Hollow, this 5,183 sqft. custom home backs to a tranquil bird sanctuary and Jelke Creek, offering a rare blend of nature, privacy, and scenic beauty. Imagine mornings by your own koi pond, evenings on the deck surrounded by trees, and direct access to nearby conservation trails-this is a lifestyle, not just a home. From the moment you arrive, you'll notice the care and investment poured into the property, including new siding and gutters, along with a newer roof and skylights (2019), ensuring both curb appeal and long-term confidence. Inside, the home unfolds with warmth and intention. Hardwood floors run throughout the main level, guiding you from a spacious front living room into a dining area designed for effortless entertaining. At the heart of it all is a beautifully remodeled kitchen featuring a farmhouse sink, granite countertops, marble backsplash, handcrafted custom cabinetry, a mahogany-topped coffee bar, and high-end stainless-steel appliances-every detail thoughtfully curated. The adjacent family room invites you to unwind, anchored by a cozy wood-burning fireplace (with gas starter and built-in ash pit) and framed by tranquil backyard views. With 5 bedrooms plus a first-floor den (ideal as an office or 6th bedroom) and 3.1 baths, the layout offers flexibility for any lifestyle. The primary suite is a true retreat, complete with a sitting area, walk-in closet, and a beautifully updated bath. Additional bathrooms have been tastefully remodeled, including a standout second full bath with floating dual vanities and a walk-in shower. One of the secondary bedrooms even includes a 10x16 bonus room-perfect for sleepovers, a lounge, or creative space. The finished walk-out basement expands your living space even further, offering a rec room, game area, wet bar, workshop, an additional bedroom, full bath, and-true to the theme of this home-an overabundance of storage, including an oversized storage room that keeps everything organized without compromise. It's an ideal setup for guests, in-laws, or extended stays. Car enthusiasts, hobbyists, or anyone needing extra space will appreciate the massive, extra-wide and deep 2.5-car garage, with room to expand further by adding a side apron. Outdoor living is just as impressive, with a multi-tiered deck and paver patio designed for gathering, relaxing, and taking in the breathtaking natural surroundings. Enjoy fireworks practically in your backyard along with Sleepy Hollow's community events. Beyond the home, Sleepy Hollow offers a true sense of community with neighborhood events, plus convenient access to the local pool, elementary school, and miles of scenic trails just steps from your backyard. This is more than a home - it's space to live fully, room to grow, and a setting you'll never want to leave with peace of mind knowing an HWA 13-month home warranty is in place. Welcome home.
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.
