Welcome to your Brandon SOLAR POOL home—offering instant savings with solar paid in full at closing, plus a sparkling pool, fenced yard, and gated community living! This move-in ready home truly checks all the boxes. Step inside to an open layout with high ceilings, diagonal tile flooring, crown molding, and a bright, inviting living space. The living room flows seamlessly into the kitchen and features triple windows overlooking the lanai and pool—bringing in natural light and that perfect indoor-outdoor feel. The upgraded kitchen is designed for both function and style with stainless steel appliances, a gas stove, quartz countertops, wood cabinetry, a spacious island for bar seating, and a pantry to keep everything organized. Just off the kitchen, a sunny dining area overlooks the pool—perfect for everyday meals. A convenient half bath is also located downstairs. Upstairs, a versatile loft offers the flexibility to create a second living area, work area, or cozy reading nook—tailored to fit your lifestyle. The spacious primary suite features triple windows, a large walk-in closet, and a private bath with dual sinks, a garden tub, and separate shower. Secondary bedrooms are generously sized, and the guest bath also includes dual sinks. TVs are already installed in each bedroom and the living room—and they stay—making this home even more move-in ready. You’ll also love the upstairs laundry room—right where you need it—featuring a GE Profile ventless all-in-one washer/dryer combo for modern convenience. Step outside and enjoy the Florida lifestyle with your heated 13,000-gallon pool and pavered lanai—ideal for relaxing or hosting summer cookouts. The fenced yard offers privacy along with a side yard for extra space to play or unwind. Located in a gated community with resort-style amenities including a pool with splash zone, cabana area, playground, and dog park—this home also offers a prime Brandon location close to schools, shopping, dining, and everyday conveniences. Easy access to Tampa, MacDill Air Force Base, and the airport makes commuting a breeze. Come see this one today—you’re going to love it!
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.
