Imagine living in one of the most popular communities in Tampa Bay. This MI Home townhome with a "Pottery barn" feel, is offering 3 large bedrooms, 2.5 bathrooms, and an attached 2 car garage. Located across the street from Cunningham Lake and the preserve, the views are spectacular and the miles of walking/hiking/biking trails are easily accessible. With a freshly painted exterior in 11/2025, this modern luxurious home has been professionally landscaped. Walk up the paver walk-way to the covered front stoop and come inside to experience high ceilings, an open floor plan, a stunningly bright kitchen with quartz countertops, 42 inch cabinets, stainless steel appliances, 5 burner gas range, refrigerator, and earth toned vinyl flooring throughout the main level as well as the stairs. Relaxing living room space with an electric fireplace/mantel and a designated area for your dining table. Modern upgraded light fixtures. Additional seating at the kitchen counter top. Several picturesque windows with shutters provide natural light and privacy. The laundry room is located on the main floor tucked away with extra storage, utility sink and a 1/2 bath. Drop zone/storage/bar area beautifully built and decorated for your use. Beautiful staircase to the upstairs takes you to separate 2 bedrooms that are spacious, and the private owners retreat with ensuite. Dual sinks, quartz counter tops, large walk-in tiled shower and glass enclosure. Closet space will not disappoint. Second full bath is a shower/tub combo. Take your living space to the outdoor oasis that is private and screened in. You can enjoy grilling, entertaining, relaxing, or playing here. You can keep the house open year round. Patio is attached to the 2 car garage. Reverse Osmosis/water softener in place. On street parking is in front of the home for guests to easily access. Located near one of three community pools. A few blocks from the Starkey K8 school and the county district fields. There is so much adventure awaiting and activities to do in the community and Starkey Ranch has their own Lifestyle team that plans yearly events for the residents. This townhome has a low HOA that includes exterior maintenance, lawn care/fertilization, sewer and trash so you have little to do. Located near the local Publix, restaurants, medical, entertainment, and easy access to the Veterans Expressway for travel to Tampa. The warmth and opulence of this home is undeniable. This is a must see. Click on video for virtual walk through.
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.
