Welcome to this exceptional, like-new home in the highly sought-after Villages of Winding Creek, ideally situated in desirable Clearcreek Township and within the award-winning Springboro City School District! Winding Creek is perfectly positioned just off St Rt 48, this prime location offers convenient access to shopping, dining and everyday amenities while still providing a peaceful community setting. From the moment you arrive, you’ll notice the expanded driveway allowing for easy three-car parking, along with attractive curb appeal including a covered front porch that sets the tone for what’s inside. Step into a thoughtfully designed floor plan featuring a formal dining room and a versatile flex space just off the great room—perfect for a home office, playroom or even a potential additional bedroom. The owners thoughtfully selected a 4’ bump-out during construction, creating extra living space that enhances both function & flow. The bright and airy great room opens seamlessly to the kitchen & a beautiful sunroom, offering the perfect spot to relax and enjoy views of the incredible backyard. This outdoor space is truly a dream—ideal for entertaining, unwinding and creating lasting memories. Inground pool, firepit area, hot tub with gazebo is an outdoor dream. Upstairs, you’ll find 4 spacious bedrooms along with the convenience of a second-floor laundry room. The home also features 2.5 baths, a finished basement for additional living or recreation space, and a versatile bonus room above the garage that can serve as a second family room, media room or even a 5th bedroom. The finished basement has a large rec room w/ a bumpout which is perfect for a second office or play area. One of the unfinished rooms is being used as a workout room which is perfect. Every inch of this home showcases modern finishes and pride of ownership, offering the feel of new construction without the wait. This move-in ready home truly checks every box—don’t miss your chance to make it yours!
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.
