$18,000 Buyer Incentive! With a full-price accepted offer by December 31, 2025, you’ll receive this incredible “Use-As-You-Choose” incentive, apply it toward closing costs, upgrades, repairs, or even a rate buy-down (subject to lender approval). You don’t want to pass up incentives like this in today’s market, opportunities like this can make all the difference in your purchasing power and long-term savings.Welcome to your dream home in one of the area’s most sought-after gated and guarded golf communities! Perfectly located near the clubhouse, park, tennis courts, and community pool, this two-story residence blends comfort, convenience, and lifestyle in one stunning package.Step inside to rich hardwood flooring throughout the main living areas and kitchen, setting a warm, festive tone that’s perfect for upcoming holiday gatherings. The spacious kitchen offers stainless steel appliances, granite countertops, a wine refrigerator, and a large eat-in dining space ideal for hosting family dinners or friendly get-togethers. Just off the kitchen, a cozy den creates the perfect spot for relaxing with a good book or enjoying quiet evenings as the year winds down.The main-level owner’s suite provides a private retreat with easy access to the main living areas. Upstairs, you’ll find two additional bedrooms, a versatile bonus room, and a theater room complete with a wet bar and mini refrigerator, perfect for holiday movie nights or entertaining guests. A large unfinished storage space offers exceptional storage or future expansion potential.Beyond the home, the community offers year-round amenities and small-town charm. Spend weekends by the lake and marina, enjoy sunny days on the golf course year-round, or visit the seasonal farmers market held right in the neighborhood. Whether you’re gathering at the park, attending festive community events, or enjoying peaceful evenings at home, this is a place where holiday memories are made.Don’t miss the chance to call this exceptional property home. With the $18,000 buyer incentive and all the comfort, community, and charm it offers, now is the perfect time to make your move before the holiday season arrives!
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.
