Welcome to this truly exceptional, fully updated home situated on a spacious .27-acre lot with no rear neighbors ever, offering rare privacy and tranquility. This turn-key property features 3,249 square feet of beautifully updated living space, including 5 bedrooms, 3 bathrooms, and a 2-car garage. One of the bedrooms is ideally positioned to serve as a den or office, complete with a closet, making it a versatile space to suit your needs. The home is equipped with major system upgrades, including a roof (2015), energy-efficient 4-zone A/C (2021), and a hot water heater (2022). From the moment you arrive, you'll notice the striking curb appeal and luxury feel. Entering through double doors into the foyer, you're welcomed by expansive views of the pool through triple-pane sliding glass doors that fully stack into the wall, blending indoor and outdoor living effortlessly. To the left, the formal dining area overlooks the front yard and features an elegant quartz-topped knee wall. The spacious master suite is located nearby and offers a trey ceiling, dual closets, and a sliding glass door to the pool. The ensuite bathroom is complete with ceramic tile flooring, a dual sink wooden vanity, a garden tub, a private commode closet, and a walk-in tiled shower with body jets. The open-concept kitchen and family room are perfect for entertaining. The eat-in kitchen boasts wood cabinetry, a center island with deep drawers, quartz countertops, a stylish tile backsplash, pot filler, glass cooktop, wall-mounted oven and microwave, stainless steel appliances, a vented cooktop hood, under-cabinet lighting, and a spacious breakfast bar. The adjacent laundry room includes a deep sink, wire shelving, extra cabinets, closet space, and a countertop for folding. The family room features a double tray ceiling and another set of triple-pane sliding glass doors that open to the pool area. A hallway with a pocket door provides privacy for two guest bedrooms, both with Berber carpet, ceiling fans, and large closets. Between them is a guest bathroom with a tub/shower combo and single sink vanity. A third guest bedroom is located nearby with its own sliding glass door to the pool, and is adjacent to a third bathroom that also has a pool entrance, tub/shower combo with tile surround, single sink vanity, and storage closet. The fifth bedroom is located just off the master suite and can function as an ideal office or den while still offering full bedroom functionality with a closet. Step outside to your private oasis featuring a large in-ground saltwater pool, paver pool deck, and a newly screened lanai—perfect for relaxing or entertaining. Additional upgrades throughout the home include plantation shutters, luxury vinyl plank flooring, upgraded ceiling fans and light fixtures, quartz accents, updated exterior paint, and more. The property also comes equipped with two whole-home GENERAC generator plugs, security system, gutters, and irrigation system. This immaculate home offers a perfect blend of luxury, comfort, and peace of mind. With no rear neighbors and every detail thoughtfully updated, this home is ready for its new owners. Don’t miss your chance to make it yours 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.
