One or more photo(s) has been virtually staged. BETTER THAN NEW HOME ON PREMIUM LOT! Private corner lot with a view of the Golf Course. Step inside a home that effortlessly outshines new construction—thoughtfully upgraded, meticulously maintained, and barely lived in exceptional 3 bedroom residence could easily be a 4 or 5 bedroom, and offers 4,461 square feet under roof. The North Hampton Model is the perfect blend of expansive living spaces with refined finishes and a highly functional layout designed for both comfort and style. From the moment you enter, you’re welcomed by soaring tray ceilings, elegant crown molding, and an abundance of natural light that highlights the home’s open-concept design. The great room flows seamlessly into a chef-inspired kitchen, where upgraded pull-out cabinetry, granite countertops, stainless steel appliances, and designer lighting create a space as beautiful as it is practical. The primary suite is a private retreat, featuring a tray ceiling, and a spa-like ensuite bath with dual vanities, a spacious walk-in shower, and 2 walk-in closets with custom built-ins. Two additional bedrooms provide comfort for guests, while the versatile flex room offers the option of a fourth bedroom, home office, or hobby space. A separate library/den adds yet another layer of flexibility, ideal for quiet reading or a dedicated workspace. Designed to embrace indoor-outdoor living, the home features a newly added, screen-enclosed lanai—perfect for enjoying morning coffee or evening relaxation in a serene, private setting. The covered lanai/sunroom with luxury vinyl flooring extends your living space year-round, making it ideal for entertaining or simply unwinding. Additional highlights include a spacious 3-car insulated garage with custom cabinets, an indoor laundry room with custom built-in cabinetry and sink, plantation blinds throughout, whole-house gutters, concrete landscape curbing, attic fan, and a Generac whole-home generator. Screen-enclosed lanai has also been added for an extension of the living area. Every detail has been carefully curated, making this home truly move-in ready without the wait or added expense of builder upgrades. Located in Candler Hills / Stonebridge, tucked in the highly sought-after 55+ community of On Top of the World. Residents enjoy access to an array of resort-style amenities and clubs, fostering an active and social lifestyle. Additionally, Candler Hills residents have private access to The Lodge which provides over 18,000 sf of enjoyment including a resort-style pool featuring beach entry and separate spa, covered pavilion, indoor gathering lounge, ballroom, catering kitchen, and much more. Candler Hills features a par 72 championship golf course, and tons of clubs and activities. This is more than just a home—it’s a turnkey opportunity to enjoy elevated living in a vibrant, amenity-rich setting. A rare offering that combines like-new condition, premium upgrades, and immediate availability—this home is ready to impress even the most discerning buyer.
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.
