Florida Living is waiting for you! Welcome to your dream retreat--an exquisitely remodeled 5-bedroom, 3-bath cabana-style home set on just over an acre in one of the area's most desirable neighborhoods. Featuring a private courtyard pool, premium upgrades, and an exceptionally flexible layout, this property offers the perfect blend of luxury, comfort, and true indoor-outdoor living. As you walk through the front doors, you're immediately welcomed into the stunning courtyard showcasing an in-ground pool, the captivating centerpiece of the home. The thoughtful cabana-style design allows the pool to be visible from almost every room, creating a tranquil, resort-inspired ambiance throughout. Inside, the open-concept living area feels bright, expansive, and inviting with soaring ceilings, rounded architectural details, and elegant travertine flooring. All of the rooms are gracious in size, providing comfort and functionality for every lifestyle. The entire house has been freshly painted inside and out, giving it a crisp, modern, and move-in ready feel. The heart of the home is the all-new custom kitchen, expertly designed with a massive center island, soft-close cabinetry, dual pantries, a sleek 36-inch flat cooktop, brand-new KitchenAid appliances, and a dedicated beverage cooler. Whether hosting large gatherings or enjoying quiet evenings at home, this kitchen delivers luxury, style, and convenience. This home features five beautifully updated bedrooms and three fully remodeled bathrooms, each showcasing modern, high-end finishes. The primary bathroom is a true spa retreat with a freestanding soaking tub and new double vanities. The cabana bathroom mirrors this luxury with new double vanities and contemporary upgrades--ideal for guests or extended family. For added comfort and efficiency, the home includes dual water heaters, with one dedicated to the primary suite and outdoor shower area. There are also two HVAC units, each featuring a dual media filtration system--one for the main home and one for the cabana--ensuring superior air quality and precise climate control. A brand-new roof was recently installed, providing peace of mind and long-term durability. A side-entrance garage enhances curb appeal and functionality, while a new landscape package adds fresh beauty to the property's exterior. The property also includes an oversized 2-car garage with enough space to comfortably fit a golf cart, adding even more convenience and versatility. Set on just slightly over an acre, the fenced property offers ample outdoor space for entertaining, room for children to play, and plenty of space for pets to roam. There is ample room to add a detached garage or workshop, and more than enough space to store an RV, boat, or recreational toys. With its flexible layout, including a separate cabana suite with its own bedrooms and bath, this home is perfectly suited for multigenerational living if that is a need, offering privacy, comfort, and independence for every member of the household. Additionally, the layout makes this property a fantastic opportunity for an Airbnb or vacation rental, with endless potential. With a fully remodeled interior, brand-new roof, freshly painted inside and out, and a design centered around the serene courtyard pool, this home is truly move-in ready. Beautifully transformed and thoughtfully reimagined, this cabana-style gem offers luxury, versatility, and exceptional living--your dream retreat awaits.
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.
