Price Improvement!!! Your Dream Home Awaits: 100% Financing & Ultra-Low Electric Bills! Step into this beautiful meticulously maintained 2-story gem located in the highly sought-after Ayersworth community. This isn't just a house; it’s a lifestyle upgrade where pride of ownership shines in every corner. Special Financing Opportunity Why wait to save for a massive down payment? This home qualifies for 100% financing through the Home Plus Mortgage program! $0 Down Payment No Private Mortgage Insurance (PMI) Keep your savings in your pocket while moving into your dream home today. Exceptional Features & Upgrades From the moment you pull up, the enhanced front patio, upgraded walkway, and stylish front door set the stage for the beauty inside. Chef-Inspired Kitchen: Forget builder-grade basics. This kitchen has been fully reimagined with shimmering granite countertops, elegant 42" cabinetry, and a premium appliance package. Modern Flooring: Enjoy easy-maintenance tile flooring throughout all main living areas. High-quality upgraded carpet is reserved strictly for the staircase. Spacious Living: Upstairs features a massive primary suite with a generous walk-in closet, plus a versatile loft perfect for a home office, cinema room, or play area. Outdoor Oasis: Relax in your fully fenced backyard from the comfort of a beautifully added screened-in patio—your private sanctuary for Florida evenings. The "Solar Secret" to Low Bills Stop worrying about rising energy costs! This home features a high-efficiency solar panel system that slashes utility expenses. Real Result: The February electric bill was a staggering $25.00! Location & Lifestyle Living in Ayersworth means more than just a beautiful home; it’s about community. This home is move-in ready and waiting for someone who appreciates quality, comfort, and incredible value. Don’t miss out on the chance to own this exceptional property with $0 down! 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.
