Beautifully Updated Home in Lutz – Move-In Ready with Major Upgrades Throughout Welcome to 21515 Curlew Ct, a lovingly maintained and thoughtfully updated home in the heart of Lutz. Built in 1986, this residence blends classic charm with modern comfort thanks to an impressive list of recent improvements inside and out. Step inside to find a bright, refreshed interior featuring new paint (2024) and new drywall texture (2014–2015) that give the home a clean, contemporary feel. The entire home has been upgraded with ceramic tile flooring and new baseboards, creating a seamless, low-maintenance living space. The beautifully remodeled kitchen (2021) is the heart of the home, showcasing granite countertops, a spacious kitchen island, and stainless-steel appliances. Both bathrooms have been fully renovated and remodeled, offering stylish finishes and modern convenience. Major system upgrades provide peace of mind for years to come, including a new roof (2020), new HVAC system (2024), new bedroom windows (2020), new hot water heater (2022) and vinyl soffits (2023). The exterior has been refreshed with new paint (2022) and updated rear and side electrical fixtures. Outdoor living is just as inviting. The screened porch features tile flooring (2015) and brand-new screens (2025)—perfect for relaxing or entertaining in Florida’s beautiful weather. This home is truly move in ready with all the big-ticket items already taken care of. A rare find in a desirable Lutz location, situated on a quiet Cul-de-sac street, with sidewalks, and no thru traffic. It offers privacy while remaining conveniently located close to I75 and the Veterans Suncoast Expressway, providing easy access to Downtown Tampa, Tampa International Airport, shopping malls and much more. Offering comfort, style, and long-term value.
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.
