Welcome to this beautiful 4-bedroom, 2-bathroom home with a 2-car garage, located in the highly sought-after Kindred community. Offering over 1,800 square feet of thoughtfully designed living space, this one-story residence perfectly blends modern style, comfort, and functionality. At the heart of the home is a stunning kitchen featuring a large center island, spacious pantry, and abundant cabinetry, making it ideal for both everyday living and entertaining. The adjoining dining area serves as a welcoming gathering space, while the open-concept layout is enhanced by soaring ceilings, abundant natural light, and a seamless flow throughout the main living areas. The spacious primary suite offers a private retreat complete with an en-suite bathroom featuring dual vanities, a walk-in shower, and an oversized walk-in closet. Three additional bedrooms and a full bathroom are thoughtfully situated on the opposite side of the home, providing privacy and flexibility for guests, a home office, or a growing family. A bright Florida sunroom adds valuable living space and versatility, making it the perfect place for a playroom, reading nook, home office, or relaxing morning coffee retreat. Step outside and enjoy the Florida lifestyle with plenty of space for entertaining, grilling, or simply unwinding. Additional highlights include a spacious laundry room conveniently located off the kitchen and a well-designed floor plan that maximizes both comfort and functionality. Residents of Kindred enjoy access to exceptional resort-style amenities, including multiple pools, fitness centers, pickleball and tennis courts, playgrounds, walking and biking trails, picnic areas, a dog park, and beautifully maintained green spaces. A brand-new K-8 school within the community adds even more convenience for families. Ideally situated in Central Florida, this home is just minutes from shopping, dining, schools, hospitals, major highways, and Orlando International Airport. It is conveniently located approximately 17 miles from Lake Nona and Medical City, 4 miles from NeoCity, 16 miles from SeaWorld Orlando, 21 miles from Universal Studios Florida, and 23 miles from Walt Disney World, providing easy access to some of Central Florida's most popular destinations. This exceptional home offers the perfect combination of modern living, outstanding community amenities, and a prime location. Schedule your private showing today and discover everything this remarkable property has to offer.
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.
