Immaculate 3 BR / 2 BA plus office/den home with a rear-entry 2-car garage. Ideally located just steps from the Asturia Clubhouse, this home offers access to a stunning resort-style pool, fitness center, and expansive outdoor entertaining areas. This highly sought-after David Weekley single-story model is loaded with upgrades not found in new construction homes. Upon entry, you’re greeted by beautiful wood-look flooring throughout the main living areas, including the office/den with elegant glass-pane French doors. To the left of the foyer are two secondary bedrooms and a full bath, perfect for family or guests. The elegant kitchen boasts 42” espresso cabinets with 2” crown molding, stainless steel appliances, granite countertops and an oversized island with seating. The open-concept floor plan seamlessly connects the kitchen, dining area, and family room, creating an ideal space for everyday living and entertaining. The family room overlooks a large screened lanai, with an additional paver patio perfect for grilling and outdoor seating. Additional highlights include upgraded light fixtures, ceiling fans, gas appliances, a vinyl privacy fence, backyard fire pit, and a fully screened lanai. Hurricane shutters are included for all windows. The spacious primary suite features a large walk-in closet, while the en-suite bath offers a solid wood vanity with granite countertops, dual sinks, a beautifully tiled walk-in shower, and a linen closet. This home also features a solar panel system providing a fixed electric bill of only $30 per month, offering excellent energy efficiency and long-term savings. Asturia residents enjoy resort-style amenities including a clubhouse, full gym, dog park, playground, walking trails, and an active social calendar with events such as Food Truck Fridays, holiday parties, and festivals. Conveniently located just off HWY 54 and only minutes from the Suncoast Parkway (HWY 589), providing easy access to Tampa and surrounding areas.
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.
