Step into a home where comfort, space, and community come together effortlessly. This beautifully appointed 4-bedroom, 3-bath residence welcomes you with an open, airy layout, soaring ceilings, and a vaulted living area that creates an immediate sense of warmth and grandeur. The heart of the home is the open-concept living space—perfect for gathering with family or entertaining friends. The gourmet kitchen truly shines, featuring quartz countertops, stainless steel appliances, and white 42-inch shaker cabinets, making it a chef’s delight. Recessed lighting and stylish updated fixtures flow seamlessly into the dining and living areas, enhancing both functionality and design. Two of the bathrooms are private en-suites, offering ideal separation and comfort for owners and guests alike. Ceramic tile finishes and quartz countertops throughout provide a clean, timeless aesthetic. Every detail has been thoughtfully considered—from the water softener to the epoxy-finished two-car garage, complete with an electric outlet ideal for an EV charger or generator. Large doors and high ceilings further enhance the home’s bright, expansive feel, making each space feel both inviting and elevated. Out back, enjoy something truly special—a spacious backyard with no rear neighbors, opening to peaceful views of a large pond. Whether you’re sipping morning coffee, watching wildlife, or hosting a sunset gathering, this private outdoor retreat offers rare tranquility. Beyond the home, the lifestyle continues. This family- and pet-friendly community is rich with connection, featuring weekly food trucks, holiday celebrations, and neighborhood clubs. Residents enjoy resort-style amenities including a community pool, tennis and basketball courts, and a playground—creating endless opportunities for fun and relaxation. Ideally located with easy access to the Veterans Expressway and I-75, and close to excellent public and private schools such as Dayspring Academy and Land O’Lakes High School, this home offers convenience without compromise. With a low HOA of just $57 quarterly, this is an exceptional opportunity to own not just a home—but a lifestyle. Homes offering this level of space, privacy, and community connection are rarely available. Schedule your private showing today and experience firsthand why this one feels different—the kind of place you don’t just visit but instantly know you belong.
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.
