Welcome to 231 Brave Rd, a beautifully maintained 4-bed, 2.5-bath residence, perfectly positioned on a premium lot overlooking a peaceful pond in the sought-after Astonia community of Florida. Designed for modern living and effortless entertaining, this exceptional home offers a seamless blend of style, comfort and everyday functionality. Step inside and be welcomed by an open-concept living layout that flows naturally from the living room to the dining area and into the well-appointed kitchen - ideal for gatherings large or intimate. The thoughtfully designed floorplan includes a bright upstairs loft, perfect for a home office, play area, media room or flexible bonus space to suit your lifestyle. The spacious primary suite is your personal retreat, complete with an oversized walk-in closet and a luxurious primary bath that elevates daily routines. Three additional bedrooms ensure plenty of space for family, guests, or a home gym, and every detail exudes comfort and style. Outdoors you’ll find your own private oasis - a screened pool patio overlooking serene water views, surrounded by lush full landscaping that enhances curb appeal and creates a private resort-like feel at home. Practical upgrades include garage storage racks for organization and permanent exterior lighting for added aesthetic appeal and fun lighting year-round. Astonia is a master-planned, family-friendly neighborhood offering wonderful community amenities including an additional community resort-style pool, playground, sidewalks, dog parks and open green space - perfect for social gatherings and active lifestyles. Situated just off Ernie Caldwell Blvd, residents enjoy easy running routes, and access to I-4, providing convenient commutes and quick access to Championsgate and Posner Park’s popular shopping, dining, entertainment options and Publix, as well as world-class theme parks, golf courses, or some of Florida’s natural outdoor attractions. This home and exceptional community appeal is ideal for families, investors, or anyone seeking a turn-key lifestyle in one of Davenport’s most desirable neighborhoods. Don’t miss your opportunity to own this stunning property - schedule your showing today and experience everything Astonia has to offer!
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.
