One or more photo(s) has been virtually staged. **Sellers are very motivated and prefers quick closing, ready to move forward immediately. This is the opportunity you have been waiting for!!! Value, Space and upgrades all in one!!! Welcome to this stunning 4-bedroom, 3-bathroom +LOFT +OFFICE home over 2,700+ square feet located in the highly sought after Hilltop Reserve community in Apopka, FL. Built in 2019, this spacious home offers a thoughtfully designed OPEN FLOOR PLAN with plenty of NATURAL LIGHTING. From the moment you walk in… you'll feel at home! A SCREENED FRONT DOOR welcomes you into the foyer with NINE FOOT CEILINGS throughout. Immediately to Left of the foyer is a spacious formal living room or FLEX ROOM. The gourmet kitchen serves as the heart of the home, showcasing a a generous**Center Island Breakfast Bar**with usb outlets & decorative Pendant Lighting**Gas Range**Stainless Steel Appliances**Granite Countertops**42-inch Cabinets with Pull out Drawers & Crown Molding** &**Recessed Lighting. The kitchen overlooks both the dining and family rooms making it the perfect space for entertaining. Whether hosting guests or enjoying a casual night in, this space delivers both function and style. The family room is bright and spacious with**Triple Slider Doors**and includes**In-Ceiling Outlets**designed for easy installation of security cameras or additional Wi-Fi access points. The**First Floor Primary Suite** provides a peaceful retreat, complete with a well-appointed**Ensuite Bath** and ample space to unwind at the end of the day. The**Ensuite Bathroom** features an**Oversized, Frameless Walk-in Rain Shower with**Bench**Dual Sink Vanity with**Granite Countertops**and separate water closet. The primary suite also offers a HUGE **Walk-In Closet** with direct access to the laundry room for convenience (game changer!). The laundry room has cabinetry for storage and a**Utility Sink**. Additionally downstairs you will find a powder room. Upstairs, a spacious loft offers endless possibilities—create a media room, home office, playroom, or additional lounge space tailored to your lifestyle. The flexibility of this layout is what truly sets this home apart. Step outside to your**Screened-in Patio**, where you can enjoy morning coffee or evening relaxation with added privacy**Fully Fenced** and**No Rear Neighbors**—an increasingly rare find. Take advantage of the convenient**Built-in Natural Gas Line** ready for your summer kitchen or BBQ grill installation. Ceiling Fans & **Recessed Lighting** make the private patio more enjoyable. Additional home highlights include a tankless water heater. With thoughtful features throughout and a layout designed for how people live today, this home presents an incredible opportunity to own a **Move-In Ready** home in a growing, sought-after location. Residents of Hilltop Reserve enjoy exclusive access to a community pool, playground, and pavilion, all within minutes of premier shopping, dining, entertainment, and major highways 429, 414 & 441. Now competitively priced and positioned 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.
