MULTIPLE OFFERS! Highest and Best Due by Wednesday June 10th at 2PM. Welcome to K-Bar Ranch! This beautifully maintained 4-bedroom, 3 1/2 bath, 2 Car Garage, Gated, Pool home offers nearly 3,000 square feet of living space and is loaded with thoughtful upgrades inside and out. Built in 2017 and situated on a desirable conservation lot with beautiful views of the pond and nature, this home combines modern comfort with exceptional outdoor living. This spacious two-story home offers an ideal layout for both everyday living and entertaining! The first floor features a formal dining room, a huge family room, and an open-concept kitchen with a beautiful center island and separate eat-in area overlooking the sparkling pool. A convenient half bath and laundry room complete the main level. Upstairs you will find a generous loft that provides additional living space, along with the primary suite, another ensuite bedroom with its own bath and 2 other bedrooms and a full bath. The spacious private primary suite is designed for comfort and relaxation and offers lots of natural light. Outdoor living is where this home truly shines. Enjoy your private backyard oasis featuring a custom pool and screened lanai complete with an outdoor kitchen area, granite countertops, and awesome private views of the pond and nature. Additional exterior improvements include a fully zoned irrigation system, professional landscape lighting, expanded flower beds, and fencing for added privacy. This home also offers a freshly painted interior, updated lighting throughout the main living areas, luxury vinyl flooring upstairs, upgraded bathroom fixtures, and a spacious open-concept floor plan designed for everyday living and entertaining. The kitchen has been enhanced with stylish backsplash upgrades and newer appliances, including a refrigerator (2025), microwave (2024), and garbage disposal (2025). You will also find a Garage EV charging station, Elevated garage storage systems, UV light system added to the HVAC , Wall-mounted TV installation, and an Updated half-bath vanity and sink and so much more! Located in the highly sought-after K-Bar Ranch community with convenient access to top-rated schools, shopping, dining, major highways, and everything the Tampa area has to offer. This community offers a community pool, clubhouse, playground, pickle ball courts, and lots of sidewalks to enjoy those early morning walks. This move-in-ready home offers the perfect blend of luxury, functionality, and outdoor Florida Living! Don't wait to schedule your showing on this beautiful 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.
