A home where elegance meets comfort in the heart of the prestigious Reserve at Pradera. This meticulously upgraded, 3,068 sq ft residence is a sanctuary for those who crave luxury and convenience. Imagine stepping into a lifestyle that marries modern sophistication with timeless design, creating the perfect backdrop for both everyday living and memorable entertaining. As you walk through the front door, sunlight pours through tall windows, illuminating an open floor plan that radiates warmth and style. The rich wood-look ceramic tile flooring and crown molding extend throughout the main living areas, offering a seamless flow that invites you to explore further. To your right, a formal dining room awaits, where a sophisticated chandelier casts a gentle glow - ideal for hosting holiday feasts or intimate dinner parties. Just beyond, the heart of the home unfolds. Picture yourself in the gourmet kitchen, a chef's dream come true, with its gleaming quartz and marble countertops, state-of-the-art stainless steel appliances, and double wall ovens. The stunning marble backsplash and designer cabinetry add an extra layer of luxury, while the spacious island stands as the centerpiece, ready for culinary creations or casual conversations. A butler's pantry connects the kitchen to the dining area, and a large walk-in pantry ensures you'll never run out of space. The kitchen overlooks the expansive great room and casual dining area, perfect for both relaxing and entertaining. Imagine opening the gliding doors to step onto a screened lanai, your private oasis for morning coffee or sunset cocktails. The fully fenced backyard provides endless opportunities for gatherings, gardening, or play. On the main level, a versatile guest bedroom and full bathroom offer flexible living options, whether for family, friends, or a dedicated home office. As you ascend to the second floor, a generous bonus loft awaits, ready to transform into a media space, playroom, or home office. The primary suite is a true retreat, offering a personal sanctuary with its own beverage station and wine cooler. The oversized walk-in closet provides ample storage, while the spa-like ensuite bathroom invites relaxation with double vanities, a deep soaking tub, and a frameless glass shower. Two additional bedrooms, a dual-sink bathroom, and an upstairs laundry room complete the second floor, ensuring comfort and convenience for all. Additional highlights of this extraordinary home include a whole-home water filtration system, an oversized 3-car garage, and a solar panel system that reduces energy costs-sustainable living at its finest. Fresh exterior paint and impeccable maintenance reflect pride of ownership. Enjoy resort-style amenities, including a pool, playground, fitness trails, and basketball courts. All of this is just minutes from I-75, US 301, shopping, dining, MacDill AFB, downtown Tampa, and the Gulf Coast beaches. This home is the full Package - stylish, spacious, energy-efficient, and ideally located. Don't miss your opportunity to experience this exceptional property. Imagine your future here, where every detail is designed to enhance your life. Important disclosure: Solar panels are under a lease agreement requiring transfer to the new owner at closing. Call for full details. Step into your dream home today! Important disclosure: Solar panels are under a lease agreement requiring transfer to the new owner at closing. Call for full details.
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.
