Welcome to 10265 Greentrail Drive N, a meticulously updated residence nestled in the serene community of Pine Tree Village in Boynton Beach, Florida. This stunning property offers 2,304 square feet of thoughtfully designed living space, featuring three spacious bedrooms and two modern bathrooms. Upon entering, you are greeted by an open-concept layout that seamlessly integrates the living, dining, and kitchen areas, creating an inviting atmosphere for both relaxation and entertainment. The kitchen is a chef's dream, boasting an island with stone countertops, dual convection ovens, and Kohler porcelain cast iron farmhouse sink with a garbage disposal. White kitchen cabinets with a pantry provide ample storage, while recessed lighting enhances the space's elegance. The great room is a highlight, featuring vaulted ceilings and improved lighting, complemented by Norman plantation shutters throughout the home. The interior and exterior have been freshly painted, offering a crisp, clean aesthetic. The Florida room, with its new 10-foot hurricane impact sliding doors, opens to a covered, screened patio that spans the length of the home, perfect for enjoying the tranquil surroundings. Additional features complete impact windows, sliders and doors, a newly insulated impact garage door with a security opener, overhead storage shelves, and an outdoor shower stall. The home is equipped with a 2026 AC unit, new hot water heater and new ductwork, ensuring comfort and efficiency. The garage is enhanced with a new chemical-resistant flooring, providing durability and style. The flooring throughout the home, including the bathrooms, is a beautiful wood laminate, adding warmth and continuity to the space. The property also includes a newly landscaped patio with plenty of room for outdoor seating and entertaining. Located in the desirable Pine Tree Village community, this home offers convenient access to local amenities, shopping, and dining. It is a perfect blend of modern upgrades and classic charm, ready to welcome its new owners. This property is currently for sale and represents a unique opportunity to own a piece of paradise in Boynton Beach. Schedule a private viewing and experience the exceptional lifestyle this home has to offer.
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.
