Welcome to this exceptional 2022-built residence offering the perfect blend of modern design, comfort, and effortless Florida living. With six spacious bedrooms, three full bathrooms, and a versatile loft, this thoughtfully designed two-story home provides extraordinary space and flexibility for today’s lifestyle. From the moment you arrive, the home’s beautiful curb appeal and low-maintenance landscaping create a polished first impression. Specialized exterior lighting elegantly enhances the façade, allowing you to showcase the home for holidays, special occasions, or simply enjoy a warm, ambient glow in the evenings. Inside, tile flooring flows seamlessly throughout the first floor, complementing the expansive open-concept design and soaring ceilings. The generous living and dining areas create an inviting atmosphere ideal for both intimate gatherings and large-scale entertaining. At the heart of the home, the kitchen is as functional as it is impressive, featuring granite countertops, abundant prep space, stainless steel appliances, and an oversized island with ample seating. The kitchen opens beautifully to a dining area spacious enough to accommodate a ten-person table, creating a natural setting for memorable meals and celebrations. A highly desirable first-floor bedroom and full bath provide exceptional flexibility, ideal for guests, multigenerational living, or a private home office. Sliding glass doors from the family room lead to the outdoor patio and fully fenced backyard — your own private retreat and slice of Florida sunshine. Upstairs, a generous loft offers additional living space perfect for a media room, playroom, study area, or fitness space. Five well-appointed secondary bedrooms provide comfort and versatility, ensuring room for everyone and everything. An additional full bathroom with countertops and dual sinks supports the needs of a busy household with ease. The split floor plan enhances privacy for the primary suite, a true sanctuary designed for rest and relaxation. This spacious retreat comfortably accommodates large furnishings and features dual vanities, a separate water closet, a walk-in closet, tiled flooring, and a private shower area — thoughtfully designed for both luxury and functionality. Throughout the home, a neutral color palette and modern finishes create a timeless aesthetic. Only four years young, this residence is move-in ready and waiting for you to make it your own. Residents enjoy access to community amenities including a cabana-style pool, clubhouse, playground, and basketball courts, all with a low HOA fee. Ideally situated near major highways, medical facilities, shopping, dining, MacDill Air Force Base, and the beautiful Gulf Coast beaches, the location offers both convenience and lifestyle. This remarkable six-bedroom home delivers the space, comfort, and setting you’ve been searching for. Schedule your private tour and experience everything this stunning property has to offer.
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.
