Welcome to OAK-VU Manor! No Expense has been Spared in this 4,500 SqFt Paradise of a Home!! Benefit from a "Forever Home" Creation being sold due to Life's Changes & Challenges!!! Almost 4AC of OASIS, Privacy, & BEAUTY!!- From 2018-2020 this home was FULLY Renovated to PERFECTION!! Approximately $47,000 in Custom Tile work, Roofing Replaced on Main Roof Section; NEW HVAC Dual Hybrid Heat Pump System, All NEW Lighting Fixtures / Recessed Lighting, Tiffany Lighting, - Exotic Granite throughout, Custom Guest Bathroom w/ Oak-Vu Inspired Raised-Leaf Basin sink. Main Floor also boasts Mud Room / "Doggie Spa" / Hobby Room / or Butlers Area w/ Over-sized Stainless Farmhouse sink, Exotic Granite, and Cute Back-splash (Room has Access to Garage & Rear yard / Patio Area). Den is a Comfy Atmosphere w/ custom Stone Hearth, NEW Midnight Blue Wood-stove, Beautiful CAST IRON- "Oak-Vu" Doored Wood Storage Cubby (able to be garage loaded for cleanliness), and over-sized Sliding Glass Doors to view the outdoor Utopia and Custom (3) Leaf Clover PATIO! Enter the home through the Double Garage w/ an Abundance of STORAGE!!! Kitchen-Living-Dining are OPEN & FLOW for Magnificent entertainment Space!! Built-in Buffet w/ Amazingly Beautiful Granite and Extra Seating!! Living Room & Kitchen have been fully crafted with Mosaic Tile, Beautiful Cherry Cabinets, and a Wall Mounted Fireplace Focal Wall-!! Living Room Floor is Custom $8,000 tile job!! Executive office is off Foyer- Office Boasts a Coffee bar, MAGNIFICENT Custom Glass Door w/ Coded Lock, anddddd....Premier Solid Cherry Executive Desk that MUST Convey with Home as it was placed prior to wall being closed in!! (( Ready for ANY Driven Professional!!- Work from Home in Style & Elegance!!)) Laundry Room is on Main Floor; Storage, folding Counter, and Built-In Drying Rack!! Master Suite is a spin off Elegant "Beauty & the Beast"!!- Accented with a Custom Black/Gold Vanity, Marble & Tile DUAL CONTROL Shower, Golden Oak Flooring, and Custom Tiffany Lighting Fixtures..PHEW Wake to Beauty EVERY DAY! Upper Level has an insanely LARGE Bedroom, built in "Study-Nook" / Vanity and dual closets for great storage!! Whimsical Thoughts & Designer Taste is what brought the Upper Guest Bath to LIFE!!- Unique Over-sized and DEEP Soaking Tub, Custom Tile work, and Handcrafted Vanity / Mirror chosen to all COMPLIMENT the Ocean-Inspired Basin Sink!! Two additional Bedrooms boast Golden Oak Flooring, Recessed Lighting & far bedroom is complete w/ Magnificent built-ins!! Continue on to the LOUNGE!!!- Basement is a Boastful Lounge w/ OVERLY Custom Oak-Vu Bar!- Mosaic Tile, Exotic Granite, FULL Fridge AND....BEST FOR LAST; Imported Casino Carpet AND "A Penny for Your Thoughts"- Why Not??!!??; Try finding your Birth Year as you Enjoy the Unique Bar Top made from $1,000 in layered PENNIES!! ((Beautiful))!! Basement also has; Workshop, 3rd garage bay, & Storage Rm that could house yet Another Guest Bath! --<<Home has ENDLESS Charm, Character, Details, & Finishes>>-- Oak-Vu Manor has only had (2) other owners; The Builder & the one who renovated it. Also Referred to as; "The Daffodil House" in the Spring, the "Bermuda Triangle Oasis," and the "Cottage Wonderland" this home is a Magnificent World away from the Actual World!! - ENJOY the Endless Perks of this home; ENJOY Nature, ENJOY Privacy, ENJOY Beauty - ENJOY OAK-VU MANOR!! ENJOY THE HOME WE HAVE CREATED FOR YOU!!!
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.
