Set within Sandhill Ridge, a private gated community in Riverview, this 2020-built home brings together polished interior design, thoughtful storage, and the kind of outdoor living that defines everyday Florida comfort. With 4 bedrooms, 2 baths, 2,174 square feet, a 2-car garage, and no CDD fees, the home offers a refined, easy-living setting near the Boyette, Rhodine Road, and US-301 corridors. Inside, the home feels bright, open, and intentionally finished. Light-toned flooring, crisp white cabinetry, elevated lighting, and clean architectural lines create a calm, modern backdrop, while custom details add both character and function. The kitchen anchors the main living space with an oversized island, stainless steel appliances, generous prep space, and a custom built-in pantry designed for real everyday use. Nearby, the living room’s custom built-ins add a finished focal point without interrupting the open flow. The primary suite offers a quiet retreat with a spacious bath and custom walk-in closet, while three additional bedrooms provide flexibility for sleeping, work, hobbies, or guests. Even the laundry room has been upgraded with custom built-ins, giving the home the kind of organized storage that makes daily routines feel easier. The outdoor space is where this property truly shines. Pocketing lanai slider doors open the main living area to approximately 1,000 square feet of extra living space under the screened lanai, creating a seamless connection between indoors and out. The saltwater pool, paver deck, covered seating areas, partially fenced yard, and butterfly garden come together as a private backyard setting made for quiet mornings, relaxed weekends, and effortless entertaining. Located in Riverview, the home offers a suburban setting with convenient access to local shopping, dining, parks, top schools, and convenient commuter routes. Schedule your showing today and experience the details that make this home truly stand out.
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.
