MOVE-IN READY 3 BEDROOM + DEN/OFFICE HOME ON A PRIVATE WOODED CONSERVATION LOT WITH FULLY FENCED YARD! This beautifully maintained David Weekly Roselle floor plan was meticulously maintained by the original owners. The one story home offers simplified living with 3 bedrooms, 2 bathrooms, a dedicated den/office with elegant French doors, and a desirable open-concept layout designed for both everyday living and entertaining. Nestled on a peaceful conservation homesite, the property provides exceptional privacy and tranquil wooded views from the spacious screened lanai. From the moment you arrive, the home impresses with its attractive curb appeal, manicured landscaping, decorative glass front door, and inviting entryway. Inside, rich wood-look laminate flooring flows throughout the main living areas, complemented by neutral designer tones, high ceilings, recessed lighting, and abundant natural light. The Gourmet kitchen features white shaker-style cabinetry, sleek hardware, attractive backsplash, quartz countertops, pantry storage, and a large center island overlooking the dining and living spaces. Stainless Steel appliances include gas cooktop with accent hood, dishwasher, refrigerator and built in microwave & oven. The dedicated office/flex room with French doors offers the perfect setup for working from home, a playroom, or additional lounge space. The spacious owner’s suite with tray ceiling and ceiling fan overlooks the conservation area and features additional bay window framing the wooded conservation. A spa-like luxurious en-suite bath offers dual vanities, granite countertops, an impressive oversized walk-in shower with custom tile work, and generous closet space. Secondary bedrooms are privately situated and well-sized with ample storage. Additional highlights include a beautifully finished laundry room with decorative beadboard detail, mudroom/drop zone area, epoxy-coated garage floors, overhead garage storage racks. Enjoy the peace and tranquility of the screened lanai enjoying the nature views and various birds while a fully fenced backyard affords safety. Residents enjoy access to exceptional community amenities including a resort-style pool, parks, playgrounds, fitness center, recreation center, and scenic walking and biking trails. Conveniently located near shopping, dining, top-rated schools, and major roadways, Tampa Airport & beaches, this home offers the perfect combination of comfort, style, and Florida living. This is HOME!
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.
