Modern Style. Smart Living. Space to Entertain. Welcome to a beautifully designed three-level townhome where comfort, style, and convenience come together effortlessly. From the moment you step inside, the open and airy layout creates a sense of flow that makes everyday living feel both functional and inviting. The main level showcases a bright open-concept design where the kitchen, dining, and living areas connect seamlessly—perfect for hosting gatherings or simply enjoying the rhythm of daily life. The kitchen stands out with sleek white cabinetry, elegant quartz countertops, stainless steel Whirlpool appliances, and a 5-burner gas range, offering both beauty and performance for anyone who enjoys cooking or entertaining. Step outside onto the private deck, an ideal spot to enjoy morning coffee, unwind in the evening, or create an outdoor entertaining space. Upstairs, the spacious owner’s suite offers a relaxing retreat featuring a large walk-in closet and a luxurious shower with quartz vanity finishes that bring a touch of spa-like comfort. Two additional bedrooms, a full bathroom, and upper-level laundry add everyday convenience and flexibility. The finished lower-level recreation room expands the living space and can easily serve as a media room, home office, workout area, or additional gathering space. Adding to the modern lifestyle appeal, this home is equipped with smart home technology, including keyless entry, a SkyBell video doorbell, and a programmable thermostat that allows you to control comfort and security directly from your smartphone. A two-car rear loading garage provides added convenience and storage. With easy access to major commuter routes, shopping, dining, and entertainment, this home delivers the perfect balance of modern features, flexible living space, and everyday convenience. Homes with this combination of style, smart features, and space don’t stay available for long. Sellers Are Motivated. PREFERRED SHOWING DATES AND TIMES M/W/TH/S/S ALL DAY BY APPT . TUESDAY & FRIDAY AFTER 3PM
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.
