Discover this stunning, completely remodeled gem, located within the guard-gated, premier 55+ community of Timber Pines. This move-in-ready home features a bright, open layout where every detail has been refined. A brand new A/C system (inside and outside units) installed in November 2025, which includes a transferable 5-year warranty. The popcorn ceilings have been professionally removed and replaced with a smooth, modern finish, perfectly complemented by porcelain tile flooring throughout the entire home, elegant 6" baseboards, and a contemporary lighting in the dining room. The heart of the home is the stunning kitchen, featuring modern cabinetry complete with pull-outs for easy access and two built-in spice racks, granite countertops, and undermount sinks. This high-end finish extends seamlessly into the laundry room—which offers generous cabinet storage. The primary bathroom has been completely remodeled with sleek, modern craftsmanship. Step outside to a recently poured 10'×23' outdoor concrete patio—your perfect entertaining oasis. Practicality meets technology with valuable upgrades including an electric roll-up garage screen, a garage door motor replaced in 2023, a smart water heater, a wireless thermostat, and high-quality ball shut-off valves at front and rear spigots. The lifestyle here is unmatched. Timber Pines features 4 fabulous golf courses with 2 pro shops to address any golfer's needs. Enjoy the top-notch, newer Pickleball courts with a professional feel, or stay active in the amazing, state-of-the-art Fitness and Wellness Center. The Clubhouse restaurant and bar provide a true resort atmosphere, while the Performing Arts Center hosts some of the best entertainment in the state. Residents also enjoy 2 geothermal pools, tennis courts, a Billiards Hall, Arts & Crafts rooms, and a fully equipped Wood Shop for your DIY projects, and for everything else, choose from 100+ clubs and activities to meet any interest. Truly turnkey—schedule your 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.
