Welcome to this spacious 4-bedroom, 2-bath home with a 3-car garage located in the desirable Creek Preserve community of Wimauma. Offering 2,270 square feet of well-designed living space, this home combines comfort, functionality, and modern style. As you enter the home, a welcoming living room sits to the left of the foyer, providing a flexible space that can be used for relaxing or entertaining guests. The heart of the home features an open-concept layout where the kitchen, dining area, and family room flow seamlessly together—ideal for everyday living and gatherings. The kitchen is designed with both style and convenience in mind and includes granite countertops, stainless steel appliances, a large center island perfect for meal prep and casual seating, and a spacious walk-in pantry. A dedicated laundry room is conveniently located just off the kitchen. Ceramic tile flooring extends throughout the main living areas, while the bedrooms offer comfortable carpet. The split-bedroom floor plan provides added privacy, with the primary suite located at the back of the home just off the family room. This spacious retreat features a large walk-in closet and an en-suite bathroom complete with a dual sink vanity with solid surface countertops, a large step-in shower, and a private water closet. Bedrooms two, three, and four are located on the opposite side of the home and share easy access to the second full bathroom. Step outside to enjoy the large backyard with plenty of space for outdoor activities, gardening, or creating your ideal outdoor living area. Residents of Creek Preserve enjoy community amenities including a pool, playground, and basketball courts. Conveniently located with easy access to Highway 674, Highway 301, and I-75, this home is close to shopping, dining, and everyday conveniences while still offering a peaceful neighborhood setting.
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.
