Pro pics coming but do not wait on them, move fast on this one,. This pristine Taylor Morrison Abbott floor plan, offered for sale for the very first time, sits on an oversized corner lot behind the gated entrance of The Reserve at Carriage Pointe in Winter Garden. Impeccably maintained and lovingly cared for since new, this home delivers everything on your must-have list with thoughtful upgrades and timeless appeal. As you arrive, the upgraded stone facade and side-entry garage make a striking first impression. Inside, soaring ceilings welcome you into a cavernous great room flooded with natural Florida light. A fully paid-off 12.8 KW solar system conveys with the sale, significantly reducing your monthly electric bills and enhancing long-term energy efficiency. The Abbott plan offers a versatile layout with four bedrooms, three-and-a-half baths, two bonus rooms, a dedicated home office, and a formal dining room. The kitchen impresses with 42-inch espresso cabinets featuring ornate trim, a natural gas cooktop, double convection ovens, and abundant counter space perfect for meal preparation and entertaining. The main floor primary suite serves as a private sanctuary, complete with two walk-in closets, a large shower, garden jetted tub, and a generous double vanity. Upstairs, the two bonus rooms provide excellent flexibility—one is a finished home theater (all equipment will convey) this could be an ideal gym or easily convertible to a fifth bedroom if needed. Main bonus room pool table conveys too ! Outside is where this home truly shines, the expansive corner lot features a fully fenced yard, an extended covered lanai, and a generous pool deck surrounding an incredible pool , creating the ultimate setting to enjoy Central Florida’s year-round sunshine. Also under the massive screen enclosure is full summer kitchen with side burner and sink. The Patio furniture is all negotiable. The Reserve at Carriage Pointe is a charming, gated enclave offering a peaceful retreat with unmatched convenience. You’re just minutes from endless shopping and dining options in every direction, including a quick 15-minute drive to historic downtown Winter Garden for its vibrant events, unique shops, and popular Saturday farmers market. Downtown Orlando and Disney’s front gates are only about 20 minutes away. Families benefit from the highly sought-after school district, with Foundation Academy nearby and Windermere Preparatory School a short drive further. Rarely does a home in this desirable area combine such generous living space, premium features, energy-saving solar, and an enviable location at this value. Once it’s gone, it’s truly gone—don’t miss this exceptional 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.
