Welcome to this beautiful custom-built home in the coveted gated community of Sweetwater West — offering over 3,500 square feet of flexible living space designed for multigenerational living, large families or those who love to entertain. Featuring 6 bedrooms, 4 FULL EN SUITE bathrooms, and 2 half bathrooms, this thoughtfully designed floor plan offers endless possibilities for growing families, hosting guests, work-from-home needs, or private in-law accommodations. Recent major updates include a new ROOF (2022), FRENCH DOORS (2022), community wide replumbing completed in 2022, and a stunning solar-heated SALTWATER POOL (2020) for year-round enjoyment! The first floor includes a spacious 2019 renovated kitchen (Stovetop 2025), formal dining room, FRESHLY PAINTED formal living room with cozy wood-burning fireplace, expansive great room with a second wood-burning stone fireplace, plus a versatile office/guest suite/in-law space with en-suite bathroom — ideal as a secondary primary suite or private guest retreat! Large inside laundry room gives way to a pool bath for convenience and ease! Upstairs, the primary suite includes an adjoining flex room perfect for a nursery, office, gym, or sitting room. Four of the six bedrooms feature private en-suite bathrooms, creating exceptional comfort and privacy throughout the home. Natural light pours into every space! Custom details include stunning crown molding, timeless french doors, plantation shutters, and abundant storage to include a massive walk-in closet under the stairs. Additional upgrades include TWO AC units (2023/2019), and a paver driveway (2023) with extended parking. The 2+ car garage features BONUS space with side-entry door for backyard access/ease as well as tandem space for workshop/storage/boat or jetski parking! Step outside into your backyard oasis featuring an inviting saltwater pool with water feature, installed in 2020! Plus, an extended patio giving both covered and uncovered space to enjoy year-round! Tried and true space for entertaining, relaxing, or even a friendly basketball game poolside. IDEALLY located with convenient access to Wekiwa Springs State Park's natural springs, hiking trails and canoeing, nearby shopping, dining and entertainment in Sweetwater, Apopka & Altamonte Springs and world-famous theme parks including Walt Disney World! Combining idyllic location, floor plan flexibility, and resort-style outdoor living, this exceptional home delivers Florida living at its finest! Schedule your appointment 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.
