Remarkable 4-Sided Brick Estate on 4.22 Acres Danielle Estates Tucked within the prestigious Danielle Estates community, this stunning all-brick home sits on 4.22 fully fenced and wooded acres, offering a level of privacy and seclusion that is truly hard to come by. A sweeping driveway curves past the full-width covered front porch to the rear of the property, where an attached garage and oversized parking pad await. Through the grand dual-door entry, a soaring vaulted foyer with exposed timber beams and rich hardwood floors sets an immediate tone of warmth and quality. Hardwood flows seamlessly throughout the main level, connecting each thoughtfully designed space. The stacked stone fireplace commands the expansive family room, framed beautifully by custom built-in cabinetry and shelving - the natural gathering place for family and friends alike. Adjacent, the refined dining room comfortably seats up to 12 and is elevated by handsome wood beam accents that tie the main living spaces together. The kitchen is built for both function and style - featuring stained cabinetry, dual wall ovens, an electric cooktop, and a commanding center island. A sunlit breakfast nook flows directly into a secondary den, rounding out an incredibly versatile and spacious main floor. Privately positioned in its own wing, the owner's suite is a true retreat - cathedral beamed ceilings with wood detailing overhead, and a fully renovated ensuite complete with dual vanities, tile flooring, a freestanding soaking tub, a tiled shower, and an enviable walk-in closet. Two additional main-level bedrooms connect through a shared Jack-and-Jill bath. Head upstairs to discover a fully self-contained suite offering its own private living area, the choice of a spacious single bedroom setup or the flexibility to configure as a two-bedroom arrangement, a full bath, walk-in closet, coat storage, and attic access - a perfect setup for extended family, a young adult seeking their own private space, or an opportunity to generate supplemental rental income. The finished basement is where possibility truly takes over. A spacious living room, dedicated dining area, private bedroom with closet, gym or media flex room, multiple storage rooms, and a full workshop with a boat door make this level one of the most impressive and adaptable you will find - whether you envision it as bonus living space, a creative studio, or an income-producing opportunity. Outside, the expansive backyard is made for memorable evenings - a firepit, dedicated outdoor seating, and a lush wooded backdrop create an atmosphere that feels like a private retreat every single day. Unmatched in space, versatility, and setting - this is the one you have been waiting for. Contact us today to arrange your private tour!
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.
