Step into a home that effortlessly blends modern functionality with high-end comfort—where every detail has been thoughtfully curated to support both your lifestyle and your peace of mind. Welcome to a residence that doesn’t just check boxes; it raises the bar. From the moment you arrive, the elegant curb appeal greets you with clean stucco lines and a tile roof that gives a subtle nod to Mediterranean inspiration. The two-car garage, hurricane shutters, and an irrigation system already tell you this home is as practical as it is beautiful. But what awaits inside is what truly captivates. As you enter, you're immediately embraced by soaring high ceilings and the warm glow of natural light bouncing off ceramic tile floors. Crown molding adds a refined finish, while the open floor plan flows seamlessly from room to room, creating a space that’s equally perfect for entertaining guests or enjoying a quiet evening at home. The kitchen is a chef’s playground—decked out with all GE appliances, a stone countertop that doubles as a statement piece, and modern fixtures that combine function and form. The layout invites conversation, with sightlines to both the living and dining areas, so you're never far from the action—or your guests. Whether you're prepping a casual meal or putting on a dinner party, this kitchen works hard and looks good doing it. The primary suite? It’s your personal retreat. Tucked away on the main floor, it features a spacious walk-in closet and a spa-like bathroom that makes every day feel like a staycation. Three additional bedrooms offer flexibility for family, guests, or even a sleek home office. And with three full bathrooms, there’s space and privacy for everyone. Tech-savvy features elevate your daily experience, starting with a central AC system upgraded in 2021—now equipped with a UV air purifier to ensure you’re breathing cleaner, healthier air year-round. A generator hookup with a lockout switch has also been installed, bringing peace of mind during storm season without missing a beat. Let’s talk about the lanai. This is Florida living at its finest. Fully screened and enhanced with a dedicated pet screen, it’s the perfect place for a morning coffee, an evening wine, or letting your furry friends enjoy the outdoors without a single worry. The lanai effortlessly extends your living space into the fresh air, inviting you to relax or entertain under the sky. The home is wired for modern living—cable, high-speed internet, and smart thermostat connectivity all ready to go. It’s located on a beautifully paved street and built on a slab foundation, ensuring longevity and structural integrity for years to come. It’s the subtle things that truly set this home apart: the in-wall pest control system, ceiling fans in all the right places, and an interior that balances comfort with elegance. Every square inch of its 2,049 heated square feet is intelligently designed and tastefully finished. And with energy-efficient touches, a thoughtful HOA package that includes internet and cable, and access to community features like a dog park, playground, and pool—you’re not just buying a home, you’re upgrading your entire lifestyle. This is more than just a four-bedroom, three-bath residence—it’s a turnkey haven where luxury meets livability. You don’t just move in—you arrive. Ready to walk through the front door of your next chapter? This home is waiting.
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.
