Where upgraded living meets space, privacy, and versatility. Situated on 1.28 acres, this beautifully updated 3-bedroom, 2.5-bath home offers the perfect combination of modern finishes, functional design, and thoughtful touches throughout. Step inside to discover beautiful upgrades that have create a warm and elevated living experience. The main living areas feel open, bright, and welcoming—perfect for both everyday living and entertaining. The kitchen went through a full transformation, featuring a gas stove, quartz and butcher block countertops, abundant counter space, and a layout that keeps you connected to the heart of the home while cooking or hosting. The spacious primary suite offers a freshly redesigned ensuite bathroom with separate his and hers vanities and gorgeous dual rain head walk-in shower. Two additional bedrooms offer flexibility for family, guests, or a dedicated home office, while the half bath adds convenience for visitors and entertaining. What truly sets this property apart is the exceptional garage and storage capacity—a rare find in residential homes. In addition to the 2-car attached garage, the property features a separate 2-car detached garage, ideal for a workshop, hobby space, recreational vehicles, or additional storage. A separate storage shed adds even more practical space for tools, lawn equipment, or outdoor gear. Outside, the expanded deck overlooks 1.28-acre lot offering privacy and endless possibilities. Whether you envision gardening, outdoor entertaining, recreational space, or simply enjoying peaceful Tennessee evenings, this property gives you the flexibility to create your ideal outdoor lifestyle. Properties offering acreage, upgrades, multiple garage spaces, and move-in-ready comfort are increasingly rare—making this home a standout opportunity in today’s market. Schedule your private showing today to experience the level of care and craftsmanship put into this home!
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.
