One or more photo(s) has been virtually staged. ****Seller very motivated*** New 2026 Roof | Oversized Pool-Ready Lot | Top-Rated School District | Low $38/Month HOA Welcome to 14833 Redcliff Drive in the highly desirable Brookshire community — a beautifully maintained and move-in-ready 3-bedroom, 2-bath home with a 2-car garage situated on one of the largest and most private lots in the neighborhood. Featuring a brand-new 2026 roof, hurricane-impact windows, and hurricane shutters, this home offers exceptional value, storm protection, and the potential for highly favorable insurance rates. Inside, soaring vaulted cathedral ceilings and an open-concept layout create a bright, spacious atmosphere filled with natural light. The updated kitchen is designed for both everyday living and entertaining, showcasing modern gray cabinetry, granite countertops, a stylish stone backsplash, and triple bay windows overlooking the backyard. French doors open from the family room to an expansive paver patio and a fully fenced backyard shaded by mature oak trees — an ideal setting for outdoor entertaining with plenty of room to add a custom pool. The spacious primary suite features a walk-in closet and an updated en-suite bath complete with an oversized jacuzzi-style soaking tub. Additional upgrades include new carpet and padding installed in May 2026 in all three bedrooms, easy-care laminate flooring, plantation shutters, ceiling fans throughout, inside laundry, garage shelving, a sprinkler system, and a storage shed that conveys with the property. Ideally located just minutes from the Veterans Expressway, downtown Tampa, Dale Mabry Highway, Citrus Park Town Center, Tampa International Airport, Raymond James Stadium, Amalie Arena, shopping, dining, and Florida’s Gulf beaches. Zoned for highly rated schools including Sickles High School and Sgt. Paul R. Smith Middle School, both ranked among the top-performing schools in the area. All financing options are welcome. 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.
