Modern Updates, Smart Home Features & Soaring Ceilings - Welcome to Your Largo Retreat. This beautifully updated 3-bedroom, 2-bath home in the desirable Pinebrook Estates area of Largo. Thoughtfully cared for and extensively improved, this move-in ready home blends modern upgrades with a warm, inviting atmosphere in one of Largo's most desirable neighborhoods. Inside, vaulted ceilings create an open and spacious feel while still maintaining a cozy and comfortable environment. The seller has completed numerous upgrades throughout the home, including beautifully remodeled bathrooms, updated lighting fixtures in the kitchen and dining areas, and LED ceiling lighting installed throughout for a bright, modern look. Smart light switches have also been added and can easily connect to Google or Alexa, bringing convenience and modern functionality to everyday living. One of the home’s standout features is the enclosed Florida room, offering approximately 200 additional square feet of flexible living space not included in the official square footage. This versatile area is perfect for a second living room, home office, playroom, or a relaxing spot to enjoy Florida’s sunshine year-round. Outside, the welcoming front patio features newly installed red brick, creating a charming space to sit, relax, and enjoy the peaceful surroundings. The neighborhood itself is known for its quiet streets, friendly neighbors, and strong sense of community. You'll especially love the home’s privacy, spacious feel, and unbeatable location, which offers convenient access to shopping, dining, parks, and is just a short drive to the Gulf beaches. Pride of ownership is evident throughout the home, and the seller has taken great care to maintain it in excellent condition over the years. A recent 4-point inspection has already been completed, offering buyers additional confidence and peace of mind regarding the home’s major systems. This lovingly cared-for home is ready for its next chapter and for its next owners to create many wonderful memories of their own. Make your appointment 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.
