Welcome to your dream home in the gated community of Hawks Point — where luxury upgrades meet everyday peace of mind. From the moment you arrive, you’ll notice the difference. This home doesn’t just look good; it’s been rebuilt for comfort, security, and style from the ground up. The brand-new METAL ROOF isn’t just a showpiece — it’s your long-term shield, offering durability, efficiency, and confidence through every season. Enjoy the comfort of a fully gated yard, ADT security system, and commercial-grade cameras, providing peace of mind and discreet protection for your family and property. Step inside to an open, light-filled floor plan with oversized 2x4-foot PORCELAIN TILE, crown molding, and custom wood columns that make every space feel like a designer showcase. The kitchen blends seamlessly with the living and dining areas, wrapped in elegant millwork, custom window framing, and three statement 8-foot mirrors that expand the space with light and style. Upstairs, the theater room sets the stage for movie nights or game days — a perfect space to unwind and entertain! The primary suite is its own retreat, featuring an expanded dual-entry walk-in closet and a fully remodeled spa-style bathroom with thicker glass shower doors, rich porcelain walls, and refined finishes. Every inch of this home has been elevated: • Fresh exterior paint and upgraded irrigation system with a brand-new front lawn. • Luxury and privacy landscaping with rock beds for easy maintenance. • Tinted windows, smart home appliances, and smart garage door opener. • Whole-home surge protection, water softener, and filtration system. • Screened front and back patios, OVERSIZED backyard paver area, and French rear doors opening to a private preserve view. Even the details — like the designer staircase, new toilets, and renovated downstairs bath with full tile walls — show the level of care poured into this home. Located in the highly desirable Hawks Point community, residents enjoy 24/7 gated security, a resort-style pool, clubhouse, fitness center, playgrounds, and walking trails. It’s the perfect balance of luxury living and laid-back Florida lifestyle — minutes from Tampa, Sarasota, beaches, and shopping. This is more than a move — it’s an upgrade to the life you’ve been looking for. Come see what peace of mind with style really feels like. Schedule your private 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.
