Step into luxury in this FULLY renovated 5-bedroom, 4-bath estate that truly shows like a model home. The photographs are absolutely true to life—NO AI enhancements or photo editing. What you see is exactly what you get. Every detail has been thoughtfully updated, from the brand-new designer kitchen and spa-inspired bathrooms to the rich hardwood flooring and sophisticated lighting throughout. At the heart of the home is a stunning custom kitchen featuring high-end stainless steel appliances, crisp white cabinetry, an expansive pantry, and seamless flow into the dramatic two-story great room and sun-filled breakfast area. The open-concept design connects effortlessly to the formal dining room, creating an ideal setting for entertaining family and friends. Abundant natural light fills the home, enhancing the bright and inviting atmosphere. The main-level primary suite offers a true retreat with a tray ceiling, generous natural light, and a luxurious, magazine-worthy bath. Enjoy a freestanding soaking tub, oversized frameless glass shower, double vanity with granite countertops, designer lighting, custom mirrors, and elegant tile flooring. A spacious walk-in closet completes the suite. On the opposite side of the main level, a private guest bedroom and full bath provide the perfect space for visitors, in-laws, or multi-generational living. Additional main-floor features include a spacious laundry room complete with custom cabinetry, floating shelves, and a convenient folding station. Upstairs, three generously sized bedrooms offer ample closet space and share two beautiful bathrooms. Hardwood and tile flooring extend throughout the entire home, further elevating its upscale appeal. Outside, the professionally landscaped yard provides a private patio ideal for summer barbecues, outdoor entertaining, or relaxing evenings at home. Perfectly located just minutes from major highways, shopping, dining, fitness centers, and top-rated schools, this exceptional residence combines luxury, comfort, and convenience. Recent improvements include: * NEW Hardwood Floors (2019) • NEW HVAC (2020) • NEW Water heater (2021) • NEW Roof (2019) • Complete renovation of the primary and main-level guest baths (2020) • Exterior paint within the past six years • New insulated garage doors and openers • Custom plantation shutters throughout. This is a truly TURN-KEY opportunity that offers exceptional style, quality, and value. A must-see property that is ready to impress from the moment you arrive.
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.
