One or more photo(s) has been virtually staged. Welcome to this beautifully remodeled two-story home nestled on a large cul-de-sac lot in the highly sought-after Lakeside community of Hudson, Florida. From the moment you arrive, you’ll appreciate the sense of space, privacy, and curb appeal this home offers — perfectly blending modern upgrades with comfortable, functional living. Step inside and you’re greeted by an abundance of natural light that fills the home, highlighting the seamless flow between living spaces. The thoughtfully designed floor plan feels open yet inviting, making it ideal for both everyday living and entertaining. New quality laminate flooring runs throughout the majority of the home, complemented by plush carpeting in three of the upstairs bedrooms. Fresh interior paint enhances the bright, clean, move-in-ready atmosphere. The spacious kitchen truly serves as the heart of the home. Featuring new appliances, a large island with generous eat-in seating, and a sizeable pantry, this space was designed for gathering and convenience. The layout flows effortlessly into the dining and living areas, allowing conversations and connections to continue uninterrupted. A standout feature is the first-floor bedroom and full bathroom, offering flexibility for guests, multi-generational living, or a private office. Upstairs, you’ll find a versatile loft area, additional spacious bedrooms, and a relaxing owner’s suite designed as a private retreat. The primary bathroom offers a separate shower and a soaking tub, along with a private water closet — creating a spa-like setting for unwinding at the end of the day. The conveniently located upstairs laundry room makes daily routines simple and efficient. Outside, the fully fenced backyard provides privacy and space to enjoy outdoor living — whether relaxing, entertaining, or creating your own backyard oasis. The generous cul-de-sac lot adds an extra layer of peace and room to spread out. Additional upgrades include a new AC system for added comfort and energy efficiency. Living in Lakeside means enjoying resort-style amenities including a clubhouse, fitness center, tennis courts, park, and community pool — all while being conveniently close to shopping, dining, schools, and major roadways. This home offers space, comfort, and thoughtful updates in one of Hudson’s most desirable communities. Don’t miss your opportunity to make it yours.
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.
