LIVE LIKE A CHAMPION! FULL GOLF/TENNIS MEMBERSHIP & INTERNET/CABLE INCLUDED IN HOA!!! Welcome home to this beautifully maintained 4-bedroom, 2-bath residence featuring one of the community’s most sought-after, wide-open floor plans. Designed for both everyday living and entertaining, this spacious single-story home offers an expansive great room concept that seamlessly connects the gourmet kitchen, dining area, and family room, creating an inviting, open feel throughout. The gourmet kitchen features granite countertops, stainless steel appliances, a tile backsplash, and 42” maple cabinetry, all overlooking the main living space. Sliding glass doors lead to the covered rear patio, making indoor-outdoor living effortless. The owner’s suite serves as a private retreat with walk-in closets, dual vanities, a separate walk-in shower, and a relaxing corner garden tub. Three additional bedrooms provide plenty of flexibility for family, guests, or a home office. Additional upgrades include a new HVAC installed in 2022 and a high-efficiency water heater replaced in 2023, offering modern efficiency and peace of mind. As a resident of this luxury, resort-style community, you’ll enjoy unparalleled amenities, including the Oasis Club, a 14,000 sq. ft. clubhouse featuring a restaurant, movie theater, fitness center, game room, tiki bar, lazy river, cabanas, and more. The Plaza, a residents-only clubhouse, offers a restaurant, bar, fitness center, game room, pickleball courts, and two additional pools. The Retreat Club, now open, includes a full water park, restaurant, and mini golf. The HOA covers access to all resort amenities, full golf and tennis membership, pickleball, a $75 monthly Plaza food credit, gated entries, complete lawn care, security monitoring, cable, phone, and high-speed internet. CDD and trash are included in the property taxes. Golf carts are welcome on community roads, making it easy to enjoy everything ChampionsGate Country Club has to offer. Conveniently located near world-class golf, Disney attractions, premier shopping, dining, and major highways, this home offers the perfect blend of luxury, convenience, and the resort lifestyle ChampionsGate is known for. Don’t miss your opportunity to own one of the community’s most desirable floor plans—schedule your private showing 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.
