Welcome to your slice of Florida paradise in the highly sought-after Isles at West Port! Nestled on a peaceful lakefront homesite, this beautifully maintained 3-bedroom, 3-bath home with a spacious den offers the perfect blend of coastal charm, modern comfort, and family-friendly living. Built in 2022 and lovingly cared for with incredible attention to detail, this home truly radiates pride of ownership from the moment you arrive. From the lush, meticulously maintained landscaping to the thoughtful upgrades throughout, you can feel the care and pride poured into every inch of this property. Step inside and you're welcomed by a light, bright, open-concept design featuring ceramic tile flooring, stone countertops, and stylish finishes that create an airy Florida vibe perfect for both everyday living and entertaining. The kitchen is a showstopper with its beautiful upgraded backsplash, updated pendant lighting over the island, and seamless flow into the living and dining spaces. Elegant newer chandeliers in the dining room and entryway elevate the home's style, while ceiling fans throughout keep the coastal breeze feeling alive year-round. The versatile den provides the perfect space for a home office, media room, playroom, or guest retreat. This home is packed with upgrades and meticulously maintained systems, including seamless gutters surrounding the entire home, drip irrigation along the sides of the property, full lawn irrigation, hurricane shutters, Smart Home technology, ADT security on all doors and windows, dedicated garbage can screening, updated bathroom light fixtures, and a ridge vent roof system. The interior was freshly repainted in 2025, and the HVAC system was professionally serviced with ductwork cleaned and filters replaced in April 2026, offering peace of mind to its next owner. Enjoy tranquil lake views while living in one of the area's most welcoming and close-knit communities. Homes in this section of West Port rarely become available, and residents enjoy a true neighborhood atmosphere with family-friendly activities and events throughout the year. Conveniently located near Charlotte Sports Park, shopping, dining, beaches, and everything Southwest Florida living has to offer. Plus, Centennial Park is just a short walk away, featuring an Olympic-size swimming pool, volleyball courts, walking trails, and recreational amenities for all ages. Recently reduced and priced to attract serious buyers, this exceptional home presents an incredible opportunity in one of the area's fastest-growing communities. The seller is motivated and ready to make a deal, making now the perfect time to secure your piece of Florida paradise. To make the transition even easier, the seller is including a one-year home warranty at closing with an acceptable offer. Move-in ready, beautifully upgraded, and perfectly positioned for the Florida lifestyle you've been dreaming of—this coastal gem is ready to welcome its next family home.
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.
