Welcome to —Ultimate Level up lifestyle meets Deltona value. This stunning 4-bedroom, 3-bathroom home offers 3,251 square feet of beautifully updated living space on an expansive .87-acre lot, delivering the space, style, and sophistication that buyers dream about — without the premium price tag. Step inside and discover a home that has been thoughtfully refreshed from top to bottom. The newly renovated kitchen is the centerpiece of the home, featuring modern finishes that set the tone for the entire interior. Fresh paint inside and out creates a crisp, move-in-ready presentation. Neutral tones, modern fixtures, and generous room sizes make this a true blank canvas for the dreamer ready to make it their own. Built in 1996 well maintained and nestled in an established, quiet neighborhood, this home blends timeless character with contemporary upgrades. A brand-new tile roof, new air conditioning system, and a Puragain whole-home water purification system deliver peace of mind from day one. The home is connected to public water and sewer, with a private well dedicated solely to irrigation — keeping your expansive .87-acre grounds beautifully maintained year-round. The full appliance package conveys — refrigerator, stove/range, dishwasher, washer, and dryer — a true turnkey experience. A wood-burning fireplace with option of Propane adds warmth and character, while the master suite features an elaborate walk-in closet that sets a new standard for storage and style. The new AC unit is equipped with an integrated aroma scented fragrance system, adding a sensory touch that makes this home truly unforgettable. And for those who fall in love at first showing — select furnishings are available for purchase, making the transition effortless.this house has all the feature making this a turn key investment. With a low HOA paid annually and immediate proximity to major commuter routes, shopping, dining, and top-rated schools, this address positions you perfectly for the lifestyle you deserve. This is not just a house. It is your next chapter, your legacy in the making. Priced to sell. Schedule your private showing today.
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.
