***Stunning Move-In Ready Corner-Lot Home with Private In-Law Suite & Spectacular Florida Sunsets*** Welcome to your dream home! A beautifully upgraded 4-bedroom, 3.5-bath Residence perfectly situated on an oversized corner lot designed for comfort, versatility, and unforgettable gatherings. Step inside to discover a bright, open floor plan featuring luxury flooring throughout, a spacious bonus room ideal for an office or den, and a built-in entertainment center with elegant lighting, electric fireplace, and custom storage. The large kitchen shines with upgrades including a tile backsplash, handles on all cabinets, and a reverse osmosis water filter. All rooms are spacious and private from each other. **One of the most amazing features of this Camden Floor Plan is the *MOTHER IN LAW SUITE*, mother which offers complete independence with its PRIVATE ENTRANCE, kitchenette, full bathroom, and personal cozy porch. This Suite is perfect for guests or multigenerational living. This home has connected smart home technology package which allows you to control your home with your smart device while near or away. Enjoy Florida living at its finest in the large enclosed Florida room (perfect for a gym or play area) that opens to a massive paved patio with room to park 2–3 cars. The 10-ft fenced yard provides privacy, while the backyard’s serene views and breathtaking SUNSETS create the ideal space for evening gatherings, special occasions and even offer a front-row seat to **Kennedy Space Center Rocket Launches!**This home is packed with thoughtful details and recent upgrades:• 3-year-old roof • Automatic garage doors on all three bays • Brand new 8-camera POE outdoor security system (installed less than a month • Water softener system • Laundry room with custom cabinetry • Renovated Attic with elevator for easy access (only for storage items) nice flooring, stairs, and insulation foam • Ceiling fans in every room, patio, and enclosed • Illuminated wine cabinet with additional storage •Tile at entrance and patio, enclosed patio with fan for year-round comfort • Pavers surround the entire backyard and side yard for low-maintenance outdoor living.• Covered shed + tool shed for extra storage . This one-of-a-kind home blends modern upgrades, functional design, and Florida charm — ready for you to move right in and start making memories. Don’t miss your chance to own this exceptional property — 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.
