Offered in the Resort-Style Community of Del Webb BayView. Welcome to this beautifully upgraded Mystique model by Pulte Homes, nestled in the highly sought-after Del Webb BayView 55+ gated community. This exquisite 2-bedroom, 2-bath home with a den and an extended 2-car garage offers an exceptional combination of comfort, quality craftsmanship, and resort-inspired Florida living. From the moment you step through the custom glass front door, you’ll be greeted by light-filled living spaces, neutral tones, and designer upgrades throughout. The open-concept kitchen showcases custom pantry shelving, a tile backsplash, and stone accents on the island—perfect for cooking and entertaining alike. The spacious great room flows effortlessly to the extended covered lanai, where weather-resistant rain shades and an electric heated saltwater pool create the ultimate outdoor retreat. Every detail in this home has been thoughtfully curated for style and function. Enjoy plantation shutters, electric roller shades on patio sliders, ceiling fans in every room, and custom built-ins in closets and the laundry room. The primary suite features a custom master closet system, so organization is effortless. Additional highlights include a screened front entry for enjoying Florida’s breezes and three heavy-duty overhead storage racks in the garage for added convenience; while the built-in desk nook adds a touch of practicality and charm. Experience the lifestyle you’ve been dreaming of in Del Webb BayView, where resort-style amenities include a clubhouse, fitness center, resort pools, pickleball courts, and a calendar full of community events—all just minutes from beaches, shopping, and dining. Outdoor patio seating at Sailfish Bar & Restaurant & just steps from pool and clubhouse Interior dining area, Sailfish Grille — private dining for residents of Del Webb BayView”
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.
