Imagine coming home each day to your private corner-lot oasis—where peace, space, and energy efficiency meet. This 4-bedroom, 3-bath home offers not just comfort, but confidence, with a newer roof (2019). HVAC system, new ductwork + attic insulation (2023). Fully paid-off solar panels—meaning lower bills and fewer worries from day one (2022). The screened-in lanai and sparkling pool invite you to slow down, recharge, and enjoy your own slice of Florida paradise. Step inside and feel the difference. Natural light pours into the open living areas, highlighting the home’s thoughtful layout and generous space. Whether you’re hosting guests or enjoying a quiet evening in, the seamless flow from indoors to the outdoor oasis makes everyday living feel luxurious. Split floor-plan. Eat in kitchen space, formal living & so many more charming features. With 4 full bedrooms & 3 well-appointed bathrooms, everyone has the space they need to unwind. Whether it's a growing family, multigenerational living, or simply room to breathe—this home adapts to your lifestyle. Double sliders lead us to the star of the show. The stunning pool and screened in back patio. Family BBQ, pool party or just an evening glass of wine, peace is hidden out here! Even those enjoying the pool have a separate full pool bath outside for ultimate convenience and no wet feet throughout the house! New pool pump as well! In addition, mature fruit trees located along the property with mangos, avocados, mandarins and more! Located just minutes from shopping, dining, and major highways, yet tucked into a quiet neighborhood, this home gives you more than a place to live—it gives you the feeling of finally arriving. Not to mention... close proximity to Amazon, Deltona Golf Club, Advent Health, VA hospital and the neighborhood Walmart and just a quick drive to the beautiful east coast beaches. If you've been waiting for the right one, this is it. Schedule your tour 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.
