This warm and inviting home has been the backdrop for years of cherished memories, where a loving family raised their children and created a true sense of home. As they begin a new chapter, they leave behind a home that has been recently updated and cared for so the next owners can make their own happy memories. The major updates provide immediate peace of mind, including a NEW ROOF (April 2026) and NEW FENCE (April 2026). The home’s major systems have also been addressed with an HVAC system replaced in 2021 and a hot water heater updated in 2020, allowing you to move in with confidence. When you enter, you’re welcomed by a freshly painted interior (April 2026) in a soft, modern gray that feels both current and timeless. The gray tile flooring flows seamlessly throughout the main living areas, while brand-new plush gray carpeting in all bedrooms adds warmth and comfort. The neutral color palette allows you to add your decorative style, whether classic or contemporary. The open-concept layout is designed for everyday living and effortless entertaining. The kitchen and great room form the heart of the home and are filled with natural light. The kitchen has hosted many happy occasions and it is both functional and welcoming, offering abundant cabinetry, a large pantry, and is anchored by a chef’s table, perfect for preparing your favorite recipes or hosting friends and extended family. The countertops provide a striking yet versatile surface that can easily be changed to match a wide variety of décor preferences so you can make this space your own. The great room impresses with its high ceilings and a charming fireplace, creating a cozy focal point for gatherings or quiet evenings at home. The primary suite is on the opposite side of the home from the secondary bedrooms. This spacious retreat easily accommodates a king-sized bed and large furniture, while the en-suite bath offers dual vanities, a soaking tub, and a separate walk-in shower. Two large walk-in closets provide ample storage and organization. The secondary bedrooms feature generous space, walk-in closets, and brand-new carpeting so family and guests will feel perfectly at home. Renovated guest bath offers the latest in upgrades. To relax, step outside through triple sliders in the great room to the covered and screened lanai, inviting you to relax and unwind while enjoying Florida’s year-round sunshine. The expansive backyard provides lots of room for a playset, or a secure space for furry family members to roam freely. Beyond the home itself, Pebble Creek continues to stand out as one of the area’s most desirable communities, boasting low HOA fees of just $650 per year and no CDD fees. As a resident of Pebble Creek, you can enjoy many amenities including a community pool, playground, tennis courts, basketball, pickleball, volleyball courts, baseball fields, and a dog park, all of which are included in the minimal fees. Additionally, this home benefits from notably low electric and water bills, adding to its overall affordability. Conveniently located near I-75, I-275, the home offers easy access to multiple shopping destinations, dining, and entertainment. With several hospitals just minutes away and an abundance of nearby retail and lifestyle options, everything you need is right at your fingertips. This home has a warm and loving history and is a place where a new family will find comfort, convenience, and a beautiful lifestyle. Love where you and your family live!
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.
