Welcome to this beautifully maintained, move-in-ready townhome located in the desirable Broadway Centre Townhomes community in the northwest corner of Brandon, Florida, situated on a quiet cul-de-sac. This home offers 3 bedrooms , 2.5 bathrooms, and 1,536 sq. ft. of living space across two stories, along with an attached one-car garage, on a cul-de-sac, providing a perfect blend of privacy, comfort, functionality, and low-maintenance living. Step inside to a bright and inviting layout designed for everyday living and easy entertaining. The main level features a spacious living and dining room combo that flows seamlessly into the kitchen. The kitchen is well appointed with granite countertops, stainless steel appliances, raised cabinetry, a closet pantry, and a breakfast bar, offering ample workspace and storage. Sliding glass doors lead to a covered, screened rear porch, creating a relaxing space to enjoy morning coffee or unwind in the evenings. Upstairs, both bedrooms are generously sized and feature walk-in closets, with the laundry conveniently located on the second floor (washer and dryer included). The primary suite provides a private retreat with a walk-in closet and an en-suite bath featuring dual sinks and a walk-in shower. A half bath on the main floor adds extra convenience for guests, making the layout ideal for a variety of living arrangements. Residents enjoy maintenance free living, with HOA services covering exterior maintenance, grounds maintenance, maintenance repairs, and community pool access, along with well maintained common areas and sidewalk perfect for walking or jogging. The location truly sets this home apart. Situated in the northwest Brandon area, the community offers quick access to Broadway Blvd, Williams Rd, and MLK with easy connections to I-75, I-4, and the Selmon Expressway. Commuting to Downtown Tampa, Ybor City, Orlando, and MacDill Air Force Base is convenient, while nearby destinations such as, the Brandon retail district, local parks, Publix, Winn-Dixie, Walmart, Target, Topgolf, dining, and entertainment provide endless options close to home. Whether you’re a first-time buyer, downsizing, or seeking a low-maintenance lifestyle in a prime location, this townhome delivers comfort, convenience, and value in one of Brandon’s most desirable communities.
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.
