Welcome to this 4-bedroom, 3-bathroom pool home in Brandon offering 2,360 square feet of thoughtfully designed living space, a desirable three-car garage, and a fantastic location close to parks, shopping, dining, and convenient access to I-75 for easy travel to neighboring cities. Inside, you’ll immediately notice the elegant details throughout including crown molding, wainscoting, and spacious living areas designed for both everyday comfort and entertaining. The home features a formal dining room and separate family room, while the open living room and kitchen combo create the perfect central gathering space. The inviting living room showcases a cozy fireplace, built-in shelving, and beautiful backyard views that bring in plenty of natural light. The kitchen offers stainless steel appliances including an oven and dishwasher, ample cabinetry, and a breakfast nook overlooking the backyard and pool area, making it the perfect spot for casual dining or morning coffee. A dedicated laundry room downstairs adds convenience to daily living. The spacious primary suite is located downstairs and serves as a relaxing retreat with a large walk-in closet and private en suite bathroom. An additional downstairs bedroom and full bathroom provide flexibility for guests, a home office, or multigenerational living. Upstairs, you’ll find two additional bedrooms that share a well-appointed full bathroom. Step outside to your private backyard oasis featuring a covered patio ideal for grilling, entertaining, or simply enjoying the Florida weather year-round. The gorgeous palm tree beside the pool creates a perfect private tropical retreat, while the fully fenced, spacious backyard and private pool provide plenty of room for outdoor fun, pets, or gatherings with family and friends. This Brandon home combines comfort, charm, and convenience in a location that puts everything within easy reach. Schedule your showing 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.
