Welcome to your Florida dream home! This beautifully updated 4-bedroom, 3-bathroom pool home offers a thoughtfully designed living space, blending comfort, functionality, and modern upgrades. BRAND NEW FLOORING THROUGHOUT THE HOME! One of the home’s most impressive features is the brand-new luxury vinyl flooring that flows seamlessly throughout the entire home, creating a cohesive, stylish, and low-maintenance living environment. Freshly painted inside and out in 2024, the home greets you with a dedicated office or den just off the entryway—perfect for remote work, studying, or a quiet retreat. Just beyond this space, you’ll find an expansive 20’ x 20’ flex room that can serve as a living room, playroom, media room, man cave, additional bedroom, or whatever best suits your lifestyle. The gourmet kitchen is a true standout, boasting brand-new stainless-steel appliances, quartz countertops, a gas stove, double ovens (including an air fryer oven), and a gas water heater. With 20 cabinets and a breakfast counter that opens into a bright and airy breakfast nook, there’s plenty of space for everyday living and entertaining. A formal dining room provides the perfect setting for holiday gatherings and special occasions. The kitchen opens to a spacious living room featuring an elegant electric fireplace and a large TV that conveys with the property, creating a warm and inviting atmosphere. The primary suite serves as a private sanctuary with tray ceilings, direct access to the lanai, and a beautifully updated en-suite bathroom featuring a modern vanity, walk-in shower, and added convenience. Bathroom three offers direct access to the pool area, making it ideal for guests and outdoor entertaining. Step outside to the screened-in lanai and pool area, designed for year-round Florida enjoyment. The saltwater pool includes a relaxing spa, while the fully fenced backyard features two gated entrances, mature fruit trees, hammocks, and an irrigation system. Additional highlights include 55 solar panels paired with 2 Tesla batteries, providing exceptional energy efficiency and peace of mind. The oversized driveway offers ample room for RV or boat parking, and the property includes a permitted 18’ x 25’ deep storage shed. The roof was replaced in 2014, and the septic tank, located on the front left side of the home, was serviced in 2024. With major updates already completed—including new luxury vinyl flooring throughout, an updated primary bathroom, fresh interior and exterior paint, and energy-saving solar features—this exceptional property is move-in ready and offers the perfect blend of style, convenience, and Florida living. Schedule your private tour today and experience everything this remarkable home has to give.
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.
