Short Sale. 17136 White Mangrove Drive | Wimauma, FL 33598 Vista Palms | Conservation & Water Views | Premium Lot Welcome to 17136 White Mangrove Drive, a beautifully maintained home located in the desirable Vista Palms community in Wimauma, Florida. Set on a premium lot with expansive conservation and water views, this property offers privacy, serenity, and a true Florida lifestyle. From the moment you arrive, the home impresses with immaculate curb appeal and tasteful exterior finishes. Inside, you’ll find a bright, open-concept floor plan filled with natural light, creating a warm and inviting atmosphere ideal for everyday living and entertaining. The chef-inspired kitchen is a true focal point, featuring solid wood cabinetry in a soft almond tone, light quartz countertops, and a layout that flows seamlessly into the dining and living areas. Designed with both style and function in mind, this space is perfect for hosting gatherings or enjoying quiet evenings at home. Large windows frame peaceful water and conservation views, bringing the outdoors in and offering a calming backdrop to the main living areas. Whether you’re enjoying morning coffee overlooking the conservation or hosting guests in the open living space, this home offers comfort, privacy, and flexibility. Step outside to a spacious backyard with a blank canvas, ready for outdoor living, entertaining, or future customization—all while enjoying unobstructed natural views. The primary suite is privately located on one side of the home and offers generous space, a large walk-in closet, and a spacious en-suite bathroom. The thoughtfully designed split-bedroom floor plan includes three additional bedrooms on the opposite wing, along with a full secondary bathroom—ideal for flexibility and functionality. Conveniently located near Tampa, major highways, shopping, dining, entertainment, and area beaches, Vista Palms offers a balance of peaceful living with easy access to everything the Tampa Bay area has to offer. Prime Location | Open Floor Plan | Conservation Views | Move-In Ready Schedule your private showing today and experience the lifestyle this Wimauma home 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.
