Welcome to the stunning and better-than-new Barcello Bonus "C" model by M/I Homes, built in 2020 and located in the highly desirable community of Talavera. This 5-bedroom + loft, 4-bathroom, 3 car garage dream home sits on a beautifully landscaped nearly 1/4 acre, fully fenced homesite with breathtaking pond and conservation views, offering an exceptional blend of luxury, comfort, and functionality. A beautifully landscaped front yard and elegant stone-accented elevation invite you in through a trussed front porch and glass sidelight entry door. Step inside to a thoughtfully designed split floor plan with high ceilings, recessed lighting, and luxury vinyl plank flooring throughout the main living areas, kitchen, owner’s suite, and two downstairs bathrooms. The freshly painted downstairs living space is filled with natural light and enhanced by updated dining and kitchen lighting fixtures and a floor outlet in the living room for convenience. The gourmet kitchen is a chef’s dream with granite countertops, 42” upper cabinets with crown molding, tile backsplash, stainless steel appliances, pendant lighting, a closet pantry and French doors offering direct views of the serene pond and conservation area. The owner’s suite is a private retreat with a large walk-in closet and features direct views of the pond and trees and a deluxe en suite bathroom with a granite dual-sink vanity, garden tub, step-in shower with listello tile accent, and private water closet. Three additional downstairs bedrooms are nicely sized and located in a separate wings for privacy, offering great closet storage. Upstairs, the oversized loft provides flexible living space—ideal for a media room, game room, or home office. Just off the loft, the fifth bedroom includes its own en-suite bathroom and a large walk-in closet—perfect for guests or multigenerational living. The oversized laundry room includes a clever under-stair storage nook and the 3-car garage is fully equipped with double epoxy-painted floors, attic access with pull-down stairs, additional storage boards and a third garage door opener.Additional features include a pre-plumb for a water softener, front and rear security cameras, and discreetly positioned condenser units along the side of the home to preserve your backyard views. Enjoy outdoor living on the extended 26x10 foot trussed lanai with ceiling fan and imagine the possibilities of this 75-foot homesite—ideal and spacious for adding a future pool. The Talavera community offers outstanding amenities including a resort-style pool, splash pad, basketball and tennis courts, clubhouse, events and regular weekend food trucks. Conveniently located just over a mile north of Land O’ Lakes, with easy access to US Hwy 41, SR-52, and the Suncoast Parkway, top-rated schools, shopping, and dining. Don’t miss your opportunity to make this exceptional home yours—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.
