Welcome to your next chapter in effortless Florida living. This beautifully maintained 2-bedroom, 2-bath single-family home is the perfect blend of charm, comfort, and modern convenience—all set within a gated community that offers a resort-style experience right outside your door. Spanning 1,731 square feet, every inch of this home has been designed with purpose, ease, and style in mind. As you approach, the curb appeal makes an instant impression. A tidy, low-maintenance yard framed by clean architectural lines gives way to a welcoming entry and attached two-car garage. Step inside, and you're greeted by the warmth of wood floors underfoot, with soft carpeting in all the right places for added comfort. The open floor plan effortlessly flows from one space to the next, inviting you to relax, entertain, and live freely. The heart of the home—the kitchen—is fully equipped with everything you need to channel your inner chef. Sleek appliances including a range, refrigerator, microwave, dishwasher, and disposal make meal prep a breeze, while generous counter space and cabinetry ensure functionality doesn’t come at the cost of style. Adjacent to the kitchen is the spacious living room, a cozy yet elegant space that encourages both quiet evenings in and lively gatherings with friends. Need a little extra breathing room? The Florida Room offers that bonus flex space you didn’t know you needed. Whether you’re imagining a home office, a sun-drenched reading nook, or a serene spot for morning yoga, this space is ready to meet your lifestyle. The primary bedroom is a sanctuary all its own, complete with a walk-in closet and thoughtful details like tray ceilings that elevate the ambiance. The en-suite bath offers both convenience and privacy, creating the ideal retreat after a long day. Comfort extends beyond the layout—central air and electric heating keep the temperature just right year-round, while ceiling fans throughout the home add both charm and climate control. Inside laundry features make everyday chores feel effortless, keeping everything at your fingertips but out of sight. Outside, you’ll find more than just a home—you’ll find a lifestyle. This home is located within a community that offers an inviting pool and amenities designed to keep you as active or relaxed as you choose. With the security of a gated neighborhood and the low-maintenance appeal of community living, all you have to do is move in and start enjoying. This is not just a home—it’s the backdrop to your next great story. Come experience it for yourself, and get ready to fall in love with where you live.
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.
