Sought-after Summerfield Crossings community, this beautifully maintained 4-bedroom, 2.5-bath home offers the perfect blend of privacy, comfort, and resort-style living. With no backyard neighbors and peaceful natural views, this home provides a rare opportunity to enjoy your own private retreat while remaining close to everything you need. From the moment you step inside, you'll be greeted by an inviting open-concept design filled with natural light and enhanced by upgraded lighting fixtures that create a warm, upscale ambiance throughout. The heart of the home is the stunning kitchen, featuring granite countertops, a spacious center island, abundant cabinetry, and seamless flow into the family room—perfect for entertaining guests or enjoying everyday life with family and friends. Open the sliding glass doors and discover one of the home's most enchanting features: a large screened lanai overlooking a beautifully landscaped garden oasis. Whether you're sipping coffee as the sun rises, enjoying a quiet afternoon surrounded by nature, or unwinding after a long day with Florida's gentle evening breeze, this outdoor space is designed for relaxation and tranquility. Upstairs, you'll find four generously sized bedrooms, including a luxurious owner's suite that feels like a private spa retreat. The primary bathroom features dual vanities, a soaking garden tub, and an elegant frameless glass shower, creating the perfect place to recharge and unwind. Modern convenience meets everyday functionality with a dedicated electric vehicle charging outlet installed in the garage, making it easy to charge your EV from the comfort of home. Living in Summerfield means more than owning a home—it's embracing a lifestyle. Residents enjoy access to two resort-style pools, a state-of-the-art fitness center, a brand-new splash pad, playgrounds, tennis courts, pickleball courts, volleyball courts, basketball courts, and a community center available for private events. The community also offers an active social calendar with fitness classes such as yoga and Zumba, family activities, and programs for all ages. Golf lovers will appreciate the nearby course and affordable membership options, with the convenience of being close enough to ride a golf cart. Ideally located near I-75, top-rated schools, shopping, dining, and everyday conveniences, this exceptional home truly has it all. Privacy. Space. Community. Lifestyle. Schedule your private showing today and experience why this Summerfield gem stands out from the rest.
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.
