One or more photo(s) has been virtually staged. Are you looking for UPGRADES? This is it ! Welcome to this beautifully designed Taylor Morrison home located in the highly desirable community of Channing Park . Offering 4 bedrooms, 3 full bathrooms, and a thoughtfully designed open floor plan, this home combines elegance, comfort, and functionality. From the moment you enter, you’ll notice the upscale architectural details including tray ceilings, decorative accent beams, crown molding, and luxury vinyl plank flooring throughout the main living areas. At the heart of the home is a stunning rotunda featuring a double tray ceiling accented with crown molding and LED lighting, creating a dramatic focal point. Designed with entertaining in mind, the home features both formal living and dining spaces along with an open kitchen and family room combination. The family room showcases a beautiful electric fireplace set against a stylish shiplap accent wall, while a stone feature wall surrounding the triple sliding glass doors adds warmth and rustic charm. The gourmet kitchen overlooks the family room and is equipped with stainless steel appliances, rich wood cabinetry, granite countertops, mosaic tile backsplash, breakfast bar, center island, and a cozy breakfast nook. Buyers will love cooking with a Gas Range! The popular three-way split bedroom layout provides exceptional privacy for everyone. The spacious primary suite is tucked away at the rear of the home, while two secondary bedrooms share a full bathroom in a separate wing. A privately located fourth bedroom and full bath near the front entry make the perfect in-law suite, guest retreat, or home office. The oversized primary suite offers two walk-in closets and a luxurious ensuite bathroom complete with dual vanities, a relaxing soaking tub, and a separate walk-in shower with built-in bench seating. Step outside to the screened lanai featuring stone pavers and a wood-paneled ceiling — the perfect place to relax and enjoy the peaceful backyard with no rear neighbors and plenty of room for future outdoor possibilities. Recent updates include a roof replacement in 2026, updated luxury vinyl plank flooring throughout living areas and quality carpet in the bedrooms in 2026, an upgraded A/C handler in 2020, and a gas water heater replacement in 2018. Additional features include a water softener and pre-wiring for a security system. Residents of Channing Park enjoy outstanding community amenities including a resort-style pool, clubhouse with fitness center, dog park, skate park, basketball court, and access to top-rated schools. This move-in ready home offers the perfect blend of style, space, and location. Schedule your private showing 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.
