Move-in ready and exceptionally well maintained, this beautiful brick-front duplex in the highly desirable Westfields community offers over 2,500 finished square feet, thoughtful updates throughout, and a peaceful setting backing to open community green space. Mature landscaping, attractive curb appeal, and obvious pride of ownership are evident from the moment you arrive. Inside, freshly refinished hardwood floors extend through the kitchen, dining area, and morning room. The updated kitchen features quartz countertops, stainless steel appliances, gas cooking, a center island, breakfast bar, and plenty of cabinet and workspace. The adjoining morning room is filled with natural light and provides the perfect spot to enjoy your morning coffee or unwind at the end of the day. French doors lead directly to the rear patio, creating an easy connection between indoor and outdoor living while overlooking beautifully maintained common area beyond. Upstairs, the spacious primary suite features vaulted ceilings, a walk-in closet, and a private en suite bath with double sinks. Two additional bedrooms and a full hall bath complete the upper level. The finished lower level adds tremendous flexibility with a large recreation room, a true fourth bedroom with egress window, and a beautifully finished full bath highlighted by an oversized tiled shower. Major improvements include a 40-year architectural roof installed in 2024 with transferable warranty, updated HVAC, newer water heater, and numerous cosmetic improvements throughout. Residents of Westfields enjoy exceptional amenities including a resort-style outdoor pool, community center, tennis and basketball courts, playgrounds, walking trails, and beautifully maintained green spaces. Conveniently located just minutes from I-70, schools, shopping, dining, medical facilities, and everyday conveniences, this home offers the space, updates, outdoor setting, and community amenities that make it a place you'll truly look forward to coming home to each day.
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.
