WELCOME HOME to TRIPLE CREEK!!! This is one of Riverview's most sought after communities that has resort style amenities, modern and up to date style, with peace of mind newer construction, and on-site management all right here! This gorgeous home is move in ready, well kept and was built in 2020 with the original owners. Simple Florida living is right here! As you walk in you will find an open concept, functional, and spacious living space with high ceilings. The large open living room is comfortable for gatherings and spending time with everyone. The beautiful kitchen boasts a very light and elegant feel that is open to the home. Stainless steel appliances and granite countertops, with a large island that can seat 4 and connects to the dining area bring it all together perfectly. There is ample cabinet space with a pantry space for more storage. The primary bedroom is very spacious and welcoming. It features an ensuite that has a walk in closet, walk in shower, and dual sinks with granite countertops. This split floor plan has the other two bedrooms and bathroom on the other side of the home with ample closet space and granite countertops in the secondary bathroom. The inside laundry room is conveniently located off the garage and has plenty of space for storage. The two car garage is in the rear of the home, making the front look beautiful with a unique look. the front of this home faces a beautiful green grassy area to gather and meet neighbors and enjoy the outdoors. This beautiful home is in the master-planned community of Triple Creek where residents enjoy three Olympic-size pools, scenic walking trails, a clubhouse, fitness center, splash pad, basketball and tennis courts, playgrounds, and a dog park. The resort style amenities are all available. You will be close to restaurants, shopping, grocery stores, the highway, and the expressway to get to downtown Tampa. Hurry and make this your home 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.
