2.99% Assumable VA with Roam! 3 bed , 2.5 bath Welcome to 2230 Branding Iron Ct – Your New Port Richey Haven! Discover the perfect blend of comfort, style, and Florida living in this beautifully maintained home tucked away in the desirable Trinity/Longleaf area. From the moment you arrive, you’ll notice the charm, curb appeal, and peaceful setting that make this property truly special. Property Highlights Expansive 2,409 sq ft layout offering generous living spaces perfect for entertaining and everyday comfort Bright, open floor plan with seamless flow between the living, dining, and kitchen areas Cozy fireplace creating a warm, inviting focal point in the main living space Modern kitchen with ample cabinetry and countertop space Spacious primary suite featuring an oversized walk-in closet and a spectacular view of the pond and surrounding trees, creating the perfect serene retreat Comfortable secondary bedrooms designed for privacy and relaxation Updated bathrooms with clean, modern finishes Screened-in outdoor living area ideal for morning coffee, evening unwinding, or hosting friends Fully fenced yard offering privacy, security, and the perfect space for pets, play, or backyard gatherings Well-maintained landscaping showcasing Florida-friendly greenery Move-in ready condition with the space and flexibility to suit a variety of lifestyles Prime Trinity Location Perfectly situated near Trinity’s most desirable amenities—shopping, dining, top-rated medical centers, golf courses, parks, and the warm, welcoming community feel this area is known for. Plus, quick access to SR-54 and Little Rd makes commuting a breeze. Popular Dining Just Minutes Away Craft Street Kitchen – Award-winning brunch and inventive American dishes Brix Bistro – An upscale favorite perfect for date nights and special occasions Catches Waterfront Grille – Relaxed seafood dining on the water with beautiful sunset views Excellent Nearby School Options Families will love having well-regarded schools close by, including: Athenian Academy of Technology and the Arts (K–8) – Highly rated charter school focused on strong academics and the arts Genesis School – A respected private option known for its nurturing, small-campus environment Wendell Krinn Technical High School – A public high school offering career pathways and hands-on learning These options provide families with flexibility, strong academics, and convenience. Fun Things to Do Nearby Outdoor Adventures James E. Grey Preserve – Peaceful hiking trails, boardwalks, birdwatching, and kayaking Sims Park – Riverfront park with festivals, concerts, playgrounds, and community events Key Vista Nature Park – Scenic nature trails, coastal views, and boardwalks Robert K. Rees Memorial Park (Green Key Beach) – Quiet Gulf beach perfect for sunsets and relaxation Family-Friendly Fun Congo River Golf – Mini golf, arcade games, and gator feeding Stop N Play – Indoor arcade and entertainment center Tree House Farm – Local farm with animals and family activities Sims Park Splash Pad & Playground – A favorite for little ones Date-Night & Adult Fun Downtown New Port Richey – Charming historic district with shopping, dining, coffee shops, and live music Island Paradise Charters – Boat tours, sunset cruises, and fishing trips Waterfront dining and nightlife within minutes HUGE Buyer Bonus: Assumable Loan at 2.99%
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.
