A RARE FIND – POND & CONSERVATION VIEW POOL HOME IN TALAVERA! Welcome to this sensational M/I Homes Ventura “C” model, built in 2020 and ideally situated on a premium fully fenced homesite with breathtaking pond and conservation views and no direct rear neighbors. This pristinely maintained 3-bedroom home shows like a model and features an open-concept layout with ash-blonde wood-look luxury vinyl plank flooring throughout the main living areas. The gourmet kitchen offers granite countertops, 42” upper cabinets with crown molding, shaker-style cabinetry, modern pendant lighting, stainless steel appliances including new refrigerator -2026, a large eat-in island, closet pantry, and glass backsplash, along with an upgraded single-basin sink and faucet. The spacious primary suite overlooks serene conservation views and includes a walk-in closet and en-suite bath with glass shower enclosure, granite vanity, and updated matte fixtures; the bedroom also features new carpet (March 2026) with a 5-year warranty. Additional upgrades include luxury vinyl plank flooring, neutral paint throughout, a custom stone feature fireplace wall in the living room, and an enhanced laundry room with added cabinetry and barn door addition including tile flooring and tile accent wall, and bedroom 2 also features an accent walls and currently utilized as a home gym as well as overhead storage mount in garage. Step outside to your private backyard oasis featuring a saltwater pool with sun shelf and bubbler, a screened trussed lanai, additional exterior outlets, extended paver patio, and beautifully landscaped yard with rock, curbing accent, and full fencing on nearly 1/5 acre. Exterior improvements include gutters, concrete curbing in the front and back, irrigation system in both front and back, along with a stone-accent exterior and grand covered front trussed entry. Located in the highly desirable Talavera community, residents enjoy resort-style amenities including a zero entry pool, clubhouse, splash pad, cabanas, playground, basketball and tennis courts, and convenient access to Tampa, major highways, top-rated schools, shopping, dining, and beaches. This home offers the perfect blend of luxury, privacy, and lifestyle—schedule your 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.
