Welcome to the kind of home that makes you feel like you just walked into a luxury model center! This stunning 6 bedroom, 4 bathroom pool home has been beautifully updated from top to bottom. From the moment you arrive, you’ll notice the fresh interior paint and stylish upgrades throughout that truly set this home apart. Inside, you are greeted by an open and spacious layout featuring BRAND NEW luxury vinyl flooring, beautifully remodeled bathrooms, and designer finishes throughout. The flexible front room can function as a formal dining area, office, or additional living space to fit your needs. The chef’s kitchen is absolutely breathtaking with granite countertops, stainless steel appliances, updated cabinetry, stylish backsplash, breakfast bar seating, and plenty of storage and prep space for entertaining. The spacious downstairs primary suite offers privacy, while the beautifully remodeled ensuite bathroom features dual sinks, upgraded finishes, and a large walk-in tiled shower. A conveniently located half bath downstairs adds additional functionality for guests. Upstairs, you’ll find the remaining bedrooms, offering plenty of space for family, guests, hobbies, or a home office setup. Step outside to your own private Florida oasis featuring a pool surrounded by a vinyl-fenced backyard perfect for relaxing or entertaining year-round, with plenty of space to create your dream outdoor kitchen. The solar system helps provide significant utility savings while adding energy efficiency to the home. Conveniently located with close proximity to major highways for an easy commute to MacDill AFB or Downtown Tampa, while still being just minutes from shopping, dining, and everyday conveniences. This move-in ready dream home truly has it all — schedule your private showing today before it’s gone!
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.
