Nestled within the prestigious Shouse Village, this exceptional expanded residence has been masterfully renovated, offering a harmonious blend of modern luxury and timeless elegance. Spanning an impressive 0.47 acres at the end of a cul-de-sac, boasting panoramic views of lush trees and scenic vistas that create a serene backdrop for everyday peaceful living. New Roof in 2025 for peace of mind. As you step inside, you are greeted by an open concept floor plan that seamlessly connects the redesigned gourmet kitchen (2023) , dining area, and family room, all adorned with modern wide plank white oak wood flooring and recessed lighting to enhance ambiance. The gourmet kitchen is a culinary enthusiast's dream, featuring 2023 high-end built-in appliances, including a self-cleaning gas oven, built-in microwave, and a spacious refrigerator, all complemented by a stylish range hood. The kitchen's table space invites casual dining, while the elegant dining area sets the stage for more formal gatherings. The upper level features a newly added 800 sq ft addition (2025); A luxurious primary suite, complete with a spa-like bathroom that showcases a soaking tub and a walk-in shower, providing a private retreat for relaxation. The fully finished daylight basement, with a convenient rear entrance, offers versatile living space, perfect for a home theater, gym, or play area. The new addition also includes a bright, high ceiling Sun Room - or office/additional bedroom. A cozy stone fireplace with a mantel adds warmth and charm, making this area an inviting spot for gatherings. Step outside to discover an entertainer's paradise. The expansive resurfaced deck (2026) and patio provide the perfect setting for al fresco dining or simply enjoying the tranquility of your partly wooded lot. The property features unique exterior elements, a robust garden area, an outbuilding for additional storage, and delightful water fountain that enhance the outdoor experience. Two-car attached garage with (2026) car charger/electric panel. With ample driveway parking, convenience is at your fingertips. Security features, including motion detectors and a surveillance system, provide peace of mind. Updated sub-flooring, flooring and staircases (2025). Fresh paint interior and exterior (2025). This property is not just a home; it is a lifestyle defined by luxury, comfort, and community. Experience the epitome of refined living in this exceptional residence and neighborhood, where every detail has been meticulously crafted for the discerning homeowner. Langley School Pyramid. Residents of Shouse Village enjoy exclusive access to a wealth of community amenities, including an outdoor pool, tennis and pickleball courts, and scenic jog/walk paths that wind around the picturesque lake.
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.
