Welcome to Del Webb Oasis, a gated community in Winter Garden's Horizon West, Get ready to live your best life in this vibrant, 55+ boutique community. It’s not just a home—it’s a feeling of pure community where every day is a chance to connect with your peers and jump into fun. Say goodbye to chores with our luxury, low-maintenance lifestyle and hello to endless activities! And the location? It’s simply magical! You're just a quick 2 mile hop from Disney World and all the trendy shopping and dining at Hamlin Town Center. Plus, top-tier healthcare is minutes away. Step inside this stunning villa, which is perfectly situated just a stone's throw from the amazing amenity clubhouse! You’ll be greeted by a custom, upgraded large front door with a stylish glass insert—a luxurious touch exclusive to this unit. Immediately inside, the enclosed Flex room is ready for whatever adventure you dream up: a sunny day room, a perfect office, or even an extra sleeping space. The kitchen is an absolute showstopper! It’s been upgraded with a chef’s layout featuring 42” Landen burlap cabinets, satin nickel door pulls, and dazzling quartz counters. Imagine cooking with soft-close drawers, pull-out trays, and gorgeous pendant lighting twinkling over the island. Even the subtle 3x6 subway tile backsplash adds a bright, tender touch. Drift into your spacious, comfortable master bedroom suite, located privately at the rear of the home. The spa-like master bath is your personal oasis, complete with an upgraded heavy glass shower door, maple quartz countertops, and comfort-height facilities. Throughout the entire villa, you’ll find luxurious upgrades like travertino tile flooring, custom plantation blinds for the perfect balance of light and privacy, and a satin nickel hardware finish for a clean, rich look. Plus, it’s a smart home ready to handle all your technology needs. Even the garage gets the luxury treatment with a convenient keypad entry and a beautiful epoxy finish. If you're looking for a property where all the luxury, comfort, and fun are ready and waiting, you've found your perfect spot!
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.
