Welcome to this beautifully updated home set on a fantastic oversized lot in highly desirable Las Calinas, with the property line extending about 20ft past the fence line. Inside, the home has been refreshed with new paint throughout, including walls, trim, doors, and molding, creating a clean and cohesive feel. Pergo luxury vinyl plank flooring flows through the main living areas, while designer touches such as board and batten accent walls, custom foyer bench with hooks, wallpaper accents, matte black stair rails, and updated hardware add warmth and character. Designed with both comfort and flexibility in mind, this home offers four bedrooms, a huge bonus area, and an additional smaller flex space. The primary suite is conveniently located on the main floor, while the upstairs provides spacious secondary bedrooms and plenty of room to spread out. The kitchen has been tastefully upgraded with all new stainless steel LG appliances, freshly painted cabinetry with soft-close hardware, crown molding, tile backsplash, pendant lighting, and under and above cabinet lighting. The overall result is a bright, functional space that feels both modern and inviting. Bathrooms have also been updated with quartz countertops, porcelain sinks, new mirrors, matte black fixtures, dual flush toilets, and upgraded rain and handheld shower heads in the primary bath. Updated lighting and ceiling fans with wireless controls have been added throughout the home for both style and convenience. Outside, the home continues to impress with refreshed landscaping, new shutters, new front gutters, re-sanded pavers, and a beautiful glass and metal front door with smart lock technology. The exterior, patio, fencing, windows, and surfaces have all been professionally cleaned, making this home truly move-in ready. The backyard provides a relaxing setting with room to enjoy the outdoors, whether entertaining or simply unwinding. Let's not forget to mention, the OVERSIZED 3-car garage with a spigot and drain for boat/watercraft lovers! With extensive updates throughout and a great location, 105 Arabian Ct is a wonderful opportunity for buyers looking for a home that feels fresh, stylish, and ready to enjoy.
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
