Welcome to Starkey Ranch living in a beautifully maintained, single-story home designed for comfort, connection, and ease. This 3-bedroom, 2-bath residence offers a bright, open layout with neutral finishes, tile flooring in the main living areas, and a well-appointed kitchen featuring white cabinetry, quartz countertops, stainless steel appliances, a gas cooktop, and a generous pantry. The seamless flow from kitchen to dining and living spaces makes everyday living and entertaining effortless, while sliding glass doors open to a private, fenced backyard—ideal for relaxing or gathering outdoors. The primary suite provides a peaceful retreat with ample space and storage. Situated on a corner lot within the award-winning Starkey Ranch community, residents enjoy an exceptional lifestyle with miles of scenic walking and biking trails, multiple community pools and splash pads, playgrounds, dog parks, and year-round events. A standout amenity is the Starkey Ranch Theatre, Library & Cultural Center, offering programs, performances, and resources for all ages. Just minutes away, the vibrant Starkey Market adds energy and charm to everyday life with fresh produce, coffee, food trucks, live music, and seasonal gatherings that bring neighbors together. Zoned for the highly regarded Starkey Ranch K–8 School and conveniently located near shopping, dining, medical facilities, and major routes to Tampa, Clearwater, and the Gulf beaches, this home delivers the whole Starkey Ranch experience in a manageable, well-cared-for package. A rare opportunity to enjoy single-story living and genuine community connection in one of Tampa Bay’s most sought-after neighborhoods. A rare opportunity for buyers seeking single-story living, exceptional schools, and unmatched community amenities at an approachable entry point into Starkey Ranch.
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.
