Experience elevated living in this stunning one-owner, two-story residence offering 4 bedrooms, 2.5 baths, and timeless designer finishes throughout. From the moment you step inside, the formal entry welcomes you with soaring ceilings and beautiful luxury vinyl plank flooring that flows seamlessly across the entire main level. Just off the entry, a sophisticated flex space provides the perfect setting for a private office, elegant sitting room, or library. Entertain in style in the formal dining room and spacious family room which showcases a warm gas fireplace and an inviting atmosphere ideal for gatherings. The chef-inspired kitchen is thoughtfully designed with an abundance of custom 42 inch cabinetry, gleaming granite countertops, a gas range, oversized pantry, and an impressive butterfly island that serves as the heart of the home. Convenient main-floor amenities include a stylish half bath, laundry room, and attached two-car garage. Retreat upstairs to the luxurious primary suite complete with a spa-like en-suite bath and an expansive walk-in closet. Three additional generously sized bedrooms feature overhead lighting, ceiling fans, and spacious closets, accompanied by a well-appointed full hall bath. The unfinished basement offers exceptional storage space and includes a bath rough-in and egress window, providing endless possibilities for future expansion and customization. The dual HVAC will keep the temperature just right all year round. Step outside to a beautifully designed backyard oasis featuring a patio perfect for outdoor entertaining, dining, or relaxing evenings under the stars. The professionally landscaped front yard is both elegant and low-maintenance, enhanced with an irrigation system and landscape lighting for year-round curb appeal. Perfectly situated in a desirable sidewalk-lined community, residents enjoy convenient access to neighborhood amenities including pickleball courts, playground, and pavilion — offering the ideal blend of luxury, comfort, and lifestyle. Open houses Thursday and Friday night from 5-7pm.
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.
