Nestled in the highly sought-after community of Hawkstone, this stunning 4-bedroom, 4-bathroom WestBay home offers an exceptional blend of luxury, security, and thoughtful high-end upgrades designed to protect and elevate your investment. Step outside to one of the home’s most impressive features, a professionally reinforced, hurricane-conscious pool cage system with over $30,000 in structural enhancements. Unlike standard builder-grade enclosures, this upgraded system was engineered for superior strength and durability with reinforced aluminum plating, doubled reinforcement cables, high-strength carbon fiber screening, oversized lag bolts, and additional structural strapping throughout. This is not your typical pool enclosure, it was built with longevity and protection in mind. The outdoor living space is perfectly positioned to capture breathtaking preserve and pond views that will never be developed, creating a peaceful and private backdrop whether you’re relaxing on the pool deck or enjoying the expansive sliding glass doors from inside the home. Designed for both entertaining and everyday comfort, the home also features: • A beautifully appointed wine bar with granite countertops, custom cabinetry, and wine refrigeration • Pre-plumbed and gas-ready connections for a future outdoor kitchen • A versatile bonus room complete with sink, counter space, and refrigerator • A luxurious steam shower in the owner’s retreat for a spa-like experience at home • Natural gas service with tankless water heating • Whole-home surge protection for added peace of mind Technology and smart-home functionality are seamlessly integrated throughout the property, including: • Konnect smart alarm monitoring for all windows and doors with customizable mobile alerts • Reolink PoE security cameras surrounding the property with app, email, and text notifications • YoLink leak detection sensors installed throughout all high-risk water areas that automatically trigger a smart shutoff valve to help prevent flooding damage Additional premium upgrades include a builder-installed Culligan water softener system safely housed inside the garage to protect it from the elements, as well as an HOA-approved portable generator enclosure designed to keep generators quiet, cool, and dry during operation. With incredible views, extensive structural upgrades, luxury features, and advanced smart-home protection systems, this home truly stands apart from the ordinary. A must-see property that combines elegance, functionality, and peace of mind in one exceptional package.
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.
