MAINTENANCE FREE LIVING AWAITS! Welcome to this stunning 3-bedroom, 2-bath, 2-car tandem garage villa boasting PANORAMIC GOLF COURSE & LAKE VIEWS overlooking the beautiful Aileron Golf Course in Lake Suzy! Step inside the RICH FORMAL FOYER featuring an upscale leaded glass door with matching side panels, creating an inviting entrance filled with natural light. Double sliders seamlessly blend indoor and outdoor living, offering BREATHTAKING VIEWS and easy access to the oversized screened lanai/Florida room—an ideal spot for relaxing or entertaining while soaking in the serene greens and sparkling ponds. The CHEF'S KITCHEN IS A MASTERPIECE with raised panel cabinetry, fingerprint-resistant stainless steel appliances, rich granite countertops, a convenient passthrough, stylish hardware, and a trendy ceiling fan. An eat-in kitchenette and a separate dining room make hosting effortless and enjoyable. The EXPANSIVE LIVINGROOM dazzles with a CUSTOM DIMENSIONAL CEILING and spectacular golf course views, extending the feeling of spaciousness and luxury throughout the home. Retreat to the serene master bedroom featuring golf course vistas, a walk-in closet, private patio access, and a beautifully upgraded ensuite bath. Enjoy double vanities, an elegant quartz-lined shower, oversized mirrors, and A TRUE SPA-LIKE ATMOSPHERE! Both guest suites are wonderful, offering visitors spacious closets, ceiling fans, and one includes custom ceiling shelf lighting for extra special ambiance. Additional highlights include hurricane shutters, a brand-new roof installed in 2024, an irrigation system, and a finished tandem 2-car garage with neat laundry area and finished flooring. Enjoy the low-maintenance lifestyle with a low $250/month HOA that covers access to the sparkling community pool, clubhouse, recreation facilities, and worry-free lawn care. This golf cart-friendly community also offers a full social calendar for those looking to engage with neighbors and enjoy the Florida lifestyle to the fullest. Perfectly located near entertainment, golfing , PG airport, Sunseeker resort, farmers markets, Charlotte Harbor for harbor fishing and waterfront dining, pickleball, I-75, beaches, healthcare, and more! DON'T MISS THIS FANTASTIC OPPORTUNITY to invest in the Florida lifestyle you’ve been dreaming of! Schedule your 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.
