Step into a bright, thoughtfully designed 3 bedroom 2 bathroom plus FLEX ROOM home featuring elegant upgrades, flexible living spaces, and a serene pond view you’ll love coming home to. From the moment you arrive, you’ll fall in love with the charming covered front porch, paver driveway and walkway, and the lush, tree-lined surroundings that make Heron Preserve so special. Step inside to discover a bright, open layout that perfectly balances style and comfort. ELEGANT CROWN MOLDING in the foyer and main living areas adds a refined touch, while a FLEX ROOM OFF THE ENTRY welcomes abundant natural light through large front windows-the perfect spot for a home office, reading nook, or formal sitting area. The heart of the home features an open-concept layout with the kitchen, dining, and living areas flowing seamlessly together — ideal for both everyday living and entertaining. The SPACIOUS KITCHEN ISLAND provides plenty of prep and gathering space, while GRANITE COUNTERTOPS add timeless appeal in both the kitchen and bathrooms. The spacious living room opens to a covered, screened-in lanai overlooking a peaceful POND VIEW, offering the perfect spot for your morning coffee or evening unwind. With its split floor plan, the home provides privacy and comfort for everyone-two bedrooms and a full bath down one hallway, while the serene primary suite tucked quietly at the rear with its tranquil pond view. The primary walk-in closet is impressively spacious, providing ample room for organization. The primary bathroom features granite countertops with double sinks, a separate shower, and a relaxing garden tub — a perfect retreat after a long day. NEW INTERIOR PAINT (11/2025) and NEWER EXTERIOR PAINT (2024) make this home completely move-in ready, just in time to celebrate the holidays in your new space. Beyond your front door, life in the gated Heron Preserve at K-Bar Ranch means enjoying the best of Florida living with tree-lined conservation areas, private mailboxes, a dog park, and a playground right within the neighborhood. Residents also have access to K-Bar Ranch’s resort-style amenities, including a sparkling pool, multiple playgrounds, tennis court, and basketball court-all surrounded by natural beauty and a strong sense of community. Come experience the peaceful charm and community feel of Heron Preserve-where every day feels like a getaway. Video Tour: https://youtu.be/quzYUpF1jh8?si=bjX1fu2x6dtbKR3b
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.
