One or more photo(s) has been virtually staged. **Why wait for new construction when your dream home is move-in ready TODAY?** Skip the delays, the dust, and the uncertainty of building and get ahead of the game in one of Haines City's most sought-after and rapidly growing areas. From the moment you arrive, the clean curb appeal and charming screened entry welcomes you home with a taste of Florida living right at the front door. Step inside and prepare to be impressed. Soaring vaulted ceilings and an expansive open-concept layout flood the living and kitchen areas with natural light, creating an airy, sophisticated atmosphere that feels both grand and inviting. Gorgeous wood-look luxury flooring flows seamlessly throughout, complementing the rich dark cabinetry in the kitchen, which features stainless steel appliances, a center island with breakfast bar, and ample counter space perfect for entertaining. The spacious bedrooms offer generous room to breathe and relax, while the private primary suite delivers a true retreat experience with a spa-inspired ensuite boasting dual sinks, a soaking tub, and a separate walk-in shower, giving you the perfect place to unwind after a long day. Out back, your own slice of Florida paradise awaits. A screened-in back porch opens to a generously sized yard that is rare in today's new construction landscape, giving you plenty of space to garden, play, or simply enjoy the warm Florida evenings in comfort and privacy. With new construction springing up all around, this is your rare opportunity to own a like-new home without the builder timelines, premium lot fees, or upgrade surprises. Lovingly maintained and truly move-in ready, all that is left to do is unpack. Homes like this do not last, so schedule your private showing today before someone else calls it home!
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.
