There are homes you live in… and there are homes where life finally slows down enough for you to enjoy it. Welcome to this wonderful home at Lake Brigadoon, a rare end-unit townhome tucked inside the Brigadoon on Lake Heather community in the highly desirable Northdale area of Tampa. It is a place known for its mature landscapes, peaceful neighborhoods, and easy access to everything Tampa has to offer. If you’ve been looking for a home that gives you comfort, privacy, and freedom from maintenance so you can focus on living your life...this one delivers. The moment you step inside, you’ll feel the care that has gone into this home. The updated kitchen, remodeled bathrooms, refreshed paint, and modern flooring create a space that feels clean, welcoming, and ready for you from day one. But the real magic begins when you step onto the lanai. Through the back of the home is the feature that truly sets this property apart… a screened lanai overlooking a peaceful pond surrounded by lush greenery. The view is wide open and unobstructed, creating a quiet retreat that feels miles away from the city. Morning coffee becomes a moment of calm. Evenings become a chance to unwind. And weekends become something to look forward to. It is more than just a view; it’s a private oasis. As an end-unit townhome, the property enjoys an unusual level of privacy rarely found in attached living. Fewer shared walls, more natural light, and a sense of space that makes the home feel larger and more personal. The Brigadoon on Lake Heather community adds another layer of value. Thoughtfully maintained, the community offers a peaceful residential setting with amenities and lake access while keeping homeowners close to restaurants, shopping, major roads, and Tampa’s business centers. Even better, the HOA handles exterior maintenance and all ground maintenance, giving you the enjoyment of true maintenance-free living. No yard work. No exterior upkeep. Just time to enjoy your home and your life. It’s not just a townhome. It’s the place where you finally find balance — where the day begins with quiet water views and ends with the feeling that you made the right decision. A place where life feels just a little easier. Schedule your private showing and experience the tranquility of Lake Brigadoon for yourself.
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.
