Welcome to a community where everyday living feels like a getaway. Located just steps from the neighborhood’s amenity center, this home offers direct access to a lifestyle designed for connection, convenience, and recreation. Residents enjoy 30 acres of central park that include resort-style pools, scenic walking trails, expansive greenbelts, dog parks, a food truck park, fitness park, sand volleyball and basketball courts, catch and release ponds and a fully equipped community center, all within reach. A top-rated elementary school is also conveniently located within the neighborhood, making daily routines seamless. Positioned approximately 20 minutes from the upcoming Universal Kids Resort, this location continues to grow in both appeal and long-term value. Inside, the home offers a thoughtful and functional layout across 2,437 square feet. The first floor features a dedicated office and a private primary suite, ideal for both productivity and relaxation. The main living area is anchored by a gas fireplace and opens to a well-designed kitchen with a large island, gas cooktop, formal dining space, and a separate breakfast nook. Upstairs, a 300 sq ft media room creates the perfect setting for movie nights, game days, or entertaining guests. Two additional bedrooms with a cozy flex space. Additional highlights include durable luxury vinyl plank flooring throughout the main living areas, a rear-entry garage, and well-proportioned secondary bedrooms with access to and additional full bathroom. The home is priced to allow the next owner to personalize finishing touches, including flooring updates, creating an opportunity to add immediate value. If you’ve been looking for more than just a home, this is your chance to step into a community that delivers on lifestyle.
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.
