Welcome to your Whiskey Creek Oasis! This beautifully updated 3-bed, 2-bath home sits on a sprawling corner lot in the highly sought-after Whiskey Creek community. With no HOA fees, no restrictions, and a location just minutes from the famed white sandy beaches and salty shoreline, this home delivers the ultimate blend of freedom and coastal convenience. Designed for both comfort and entertaining, the property features an expansive fenced yard with a true outdoor retreat—lush landscaping, multiple lounge areas for sun or shade, and generous covered space perfect for year-round enjoyment. The pool and pool deck have been completely reconstructed, showcasing a gorgeous modern finish and an elegant paver surround that creates a resort-like outdoor atmosphere. Inside, you’re welcomed into a large, open great room accented by striking dark wood beams, a timeless stone fireplace, and oversized windows that flood the space with natural light. Unique tile floors, a captivating hazy mercury glass feature wall, and a custom, modern kitchen with stunning granite countertops, elegant backsplash, and a fabulous pass-through window add layers of style and character at every turn. Multiple sliding doors (that pocket all the way) create effortless indoor-outdoor flow, leading directly to your private oasis. The home boasts three spacious bedrooms, offering comfort, privacy, and flexibility for any lifestyle. Adding to its appeal, the home features all-new impact windows and impact-rated doors, a newer roof, and a truly stunning mid-century modern vibe—clean lines, warm materials, and sophisticated designer touches throughout. Just minutes from the Gulf of Mexico’s white sandy beaches and salty shoreline, this Whiskey Creek gem delivers the Florida lifestyle at its finest—easy beach days, coastal breezes, and a beautifully curated home in one of the area’s most desirable, beach-close neighborhoods.
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.
