# Roam

**Canonical:** https://apis.io/providers/roam/  
**Website:** https://www.withroam.com/  
**APIs profiled:** 0

Roam (withroam.com) is a nationwide assumable-mortgage marketplace that helps homebuyers and sellers transact on homes carrying low-rate, legally assumable FHA and VA loans. A qualified buyer can take over a seller's existing mortgage, inheriting the original interest rate, remaining balance, and terms, which in a 6%+ market against sellers' 2-3% loans can save buyers hundreds of thousands in interest. Roam manages the end-to-end assumption process from buyer qualification and lender coordination through paperwork and a 45-day close, and offers proprietary secondary financing so buyers can put as little as 5% down. It is a proptech company backed by Fifth Wall and IVP. Roam publishes no public developer API; this profile captures its public web, security, and llms.txt surface.

## Kin Score — 7.8 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 7.8).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Roam Domain Security** — TLSv1.3 · HSTS · DMARC
- **Roam Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, PropTech, Real-Estate, Mortgage, Assumable Mortgage, FHA, VA Loan, Fintech, Marketplace, Home Buying

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/roam/). Scores are computed from the provider's own public artifacts under a published rubric.