Freshly painted and truly move-in ready, this two-story home in a gated Northwest Las Vegas community is ready for you — no projects, no punch list, just bring your boxes and enjoy life. Head up to the heart of the home, where the kitchen opens to a bright, spacious living area. The kitchen is the showpiece: granite counters, a center island, a mosaic-tile backsplash, warm wood cabinetry, and a brand-new range, all finished with durable wood-and-laminate flooring. Just off the living room, a generous 18-foot covered balcony invites morning coffee, weekend socials, or unwinding at the end of the day — all the outdoor enjoyment with none of the yard work. The primary suite sits on this same main level, so your kitchen, living space, and bedroom share one floor — complete with a roomy bedroom, a walk-in closet, and a private en-suite bath, with a convenient half bath nearby for guests. On the lower level, two more bedrooms share a full bath on their own private floor — ideal for guests, a roommate, or a work-from-home office. You'll also find a standout second living space here, stretching nearly 25 feet: a flexible family room that can easily become a media room, home gym, or home office. Plus a dedicated laundry closet and direct access to the attached two-car garage. Beyond your door, the gated community offers resort-style perks — a sparkling pool and spa to cool off through the Vegas summer — all kept comfortable by a low $82/month HOA that keeps monthly costs in check. You're tucked into one of Northwest Las Vegas's most convenient pockets in the Centennial Hills area, just minutes from shopping, dining, parks, and quick freeway access across the valley. Move-in-ready homes like this — gated, turnkey, and with this much flexible space at this price — are exactly what you've been waiting for, and now it's here. Homes like this, at this price, don't last long. Come see it for yourself.
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.
