OWNER IS A LICENSED REAL ESTATE AGENT. Welcome to one of the most unique homes in the gated community of Aviana — a property that truly checks all the boxes whether you’re searching for a primary residence, vacation home, or income-producing opportunity. Perfectly positioned at the very end of the neighborhood and backed directly against the community security wall, this home offers an exceptionally rare level of privacy with no rear neighbors and one of the largest yards in the entire community. Even more unique, this is the only home in the neighborhood with direct access to its own private dog walk area — a feature families and pet owners will instantly appreciate. From the front of the home, enjoy peaceful pond views with no homes directly across the street, creating an open and relaxing setting that’s difficult to find in Central Florida communities. Step outside into the large newly screened-in lanai and private pool area, perfect for morning coffee watching the sunrise, relaxing evenings outdoors, entertaining guests, or enjoying Florida’s unforgettable rainstorms from the comfort of your covered patio. Inside, the home has been freshly painted throughout most of the interior, creating a bright and updated feel. The downstairs primary suite features a beautifully remodeled bathroom with a brand-new tiled shower and tub area, offering a clean and modern spa-like retreat. With 6 bedrooms, 4.5 bathrooms, and over 2,700 square feet of living space, the layout offers incredible flexibility for large families, multi-generational living, vacation use, or maximizing rental potential. This home truly checks all the boxes — gated community, private pool, oversized lot, pond views, no direct front or rear neighbors, installed Tesla Home Charger, and an unbeatable location near Disney, major attractions, shopping, restaurants, golf courses, parks, and major highways. Homes with this combination of privacy, outdoor space, location, and flexibility rarely become available in Aviana. Residents of Aviana also enjoy resort-style community amenities including a clubhouse, fitness center, playground, community pool, hot tub, and beautifully maintained gated entrances. HOA benefits include cable, internet, landscaping, and valet-style trash service with pickup directly from the home, adding both convenience and value for homeowners and guests alike.
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.
