Virtually Staged. Welcome to an expertly designed, highly functional layout tailored for an effortless modern lifestyle in Johnson Pointe requiring absolutely no CDD fees alongside low, budget-friendly HOA fees. The home boasts an expansive 4-bedroom, 2-bathroom split floor plan that perfectly balances vibrant social spaces with peaceful, private retreats. The journey begins in a welcoming, dedicated foyer that immediately introduces a sense of elegance and effortless flow into the rest of the home. The public living areas are masterfully integrated to serve as the ultimate hub for daily life and entertaining. The massive kitchen seamlessly flows into a generous dining room and an inviting living room, creating a grand, unified environment. This wide-open layout ensures that whether you are prepping meals at the central island, hosting an upscale dinner party under the chic modern lighting, or relaxing for a movie night, everyone stays connected. A dedicated walk-in pantry provides exceptional storage, while a nearby cabinetry alcove functions flawlessly as a custom coffee bar or butler's station to elevate your morning routine. An indoor-outdoor lifestyle is achieved effortlessly, as the dining area's sliding glass doors transition directly onto a covered patio. This serene outdoor extension is an ideal oasis for al fresco dining, weekend barbecues, or relaxing evenings overlooking the private, vinyl-fenced backyard. Back inside, the home's thoughtful design prioritizes daily convenience with a centrally located indoor laundry room and multiple storage closets strategically placed throughout the hallways to keep the home completely organized and clutter-free. Tucked away in the rear corner is the luxurious primary suite, featuring a spacious bedroom, an impressive walk-in primary closet, and an expansive primary bathroom equipped with a double-sink vanity. Across the home on the right wing, two light-filled secondary bedrooms share a convenient full bathroom, making it a perfect setup for guests. Finally, a versatile fourth bedroom sits positioned toward the front, offering the perfect footprint for a quiet home office, a fitness studio, or a playroom. The private bedrooms are cleverly distributed across the layout to maximize peace and quiet for every member of the household. This intelligent blend of open social spaces, generous storage, and distinct bedroom wings makes this home an exceptional backdrop for a comfortable, elevated lifestyle. The neighborhood is thoughtfully designed with a pedestrian-friendly layout, featuring integrated sidewalks that are perfect for safe evening strolls, walking pets, and fostering a true sense of connection with your neighbors in a quiet, serene environment. Perfectly situated in eastern Hillsborough County, the community occupies a coveted central hub directly between the booming metropolitan areas of Tampa and Lakeland. Commuting and weekend travel are incredibly effortless, thanks to seamless access to major regional thoroughfares like Interstate 4 and US-92. This prime location ensures that while you enjoy the peace of suburban living, you are never far from world-class entertainment and employment centers. High-energy attractions such as the Seminole Hard Rock Casino, TopGolf, iFLY Indoor Skydiving, Busch Gardens, and premium shopping centers are all just a straightforward, short drive from your front door.
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.
