Nestled on over three acres of private, wooded serenity, this exceptional 5-bedroom, 4.5-bath estate offers an extraordinary blend of refined luxury, comfort, and natural beauty. Surrounded by tranquil forest views, the property provides the ultimate private retreat while still remaining conveniently located to nearby amenities, schools, and major thoroughfares. The main-level owner’s suite is a true sanctuary, featuring expansive windows that frame peaceful wooded vistas, a spa-inspired en suite bath, and two spacious walk-in closets designed for both elegance and functionality. Designed with entertaining and everyday living in mind, the chef’s kitchen showcases high-end appliances, custom cabinetry, and a large center island, seamlessly flowing into a warm and inviting keeping room with a stunning stone fireplace—the perfect setting for casual dining or relaxing with family and friends. The grand great room is equally impressive, highlighted by a dramatic stone fireplace and custom built-ins, creating an elegant gathering space ideal for hosting or quiet evenings at home. Upstairs, you’ll find three generously sized bedrooms and two full bathrooms, offering comfort and privacy for family or guests. The finished terrace level elevates the home’s entertainment and wellness experience. Highlights include a luxurious spa bath, a spacious game room perfect for movie nights or watching the big game, a dedicated exercise room, an additional bedroom, flexible living spaces, and ample storage. Step outside to your own resort-style backyard retreat. A heated saltwater pool and spa provide the perfect setting for relaxation, while the custom-built fire pit invites memorable evenings under the stars. The surrounding 3+ acres of mature wooded landscape offer exceptional privacy and a peaceful setting ideal for nature walks and outdoor enjoyment. Additional features include a 3-car garage and high-end finishes throughout, including hardwood floors, custom millwork, and designer fixtures. Whether you’re entertaining poolside, relaxing fireside, or simply enjoying the quiet beauty of the surrounding woods, this remarkable estate offers a lifestyle of luxury, privacy, and timeless elegance.
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.
