Discover this stunning 2024 modern residence located in the highly sought-after Hawkstone community, where serene surroundings meet contemporary living. This beautifully designed home offers 4 bedrooms, 2.5 bathrooms, a spacious open floor plan, and smart home features for today’s lifestyle. Upon entry, elegant glass French doors welcome you into a dedicated home office, complete with generous closet and storage space—perfect for remote work or a private study. Continue into the heart of the home, where a chef-inspired kitchen takes center stage, featuring a supersized island ideal for entertaining, cooking, or casual seating. The kitchen is appointed with stainless steel appliances, 42-inch Sonoma shaker cabinetry, and quartz countertops, seamlessly flowing into a spacious walk-in pantry. Luxury vinyl flooring extends throughout the entire first floor, enhancing both style and durability. Just off the kitchen, the bright eat-in dining area is surrounded by windows, filling the space with natural light and peaceful outdoor views. Upstairs, plush carpeting leads you to a thoughtfully designed second level. The primary suite serves as a tranquil retreat, complete with dual vanities, a soaking garden tub, an oversized walk-in shower, and a deep walk-in closet. The upper level also features a large loft flooded with natural light, two additional secondary bedrooms ideal for guests, fitness, or flex space, and a full bathroom with ample room. Back on the main level, expansive multi-slider patio doors fully open to a covered lanai, creating the perfect indoor-outdoor living experience—ideal for alfresco dining, summer barbecues, or relaxing evenings. Additional highlights include a tankless water heater and no immediate rear neighbors, offering added privacy. This has a Portable Generator Direct Link system ...with the homes main electrical hook -up, Portable Generator not included. Located within the desirable Hawkstone community, residents enjoy access to top-rated schools, nearby parks, shopping, dining, and convenient access to I-75 and the Selmon Expressway. Community amenities include a dog park, tot lot, walking and jogging paths, and close proximity to the 969-acre Triple Creek Nature Preserve and Triple Creek BMX. This exceptional home offers modern comfort, privacy, and a prime location—schedule your private showing today and don’t miss this incredible opportunity!
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.
