Welcome to Bentley Green in beautiful DeLand! This meticulously maintained and thoughtfully upgraded Amberly floor plan offers the perfect blend of comfort, style, and convenience. Step inside to a freshly refreshed interior, professionally painted within the past 6 months using premium Sherwin-Williams finishes—including walls, doors, and baseboards—creating a clean, modern feel throughout. The home features warm tile flooring in the main living areas, while all three bedrooms and closets boast luxury plank vinyl installed less than a year ago, complete with a lifetime warranty for added peace of mind. The heart of the home is the gourmet kitchen, designed to impress with a huge center island and high-end appliances, including a brand-new Samsung top-grade refrigerator, brand-new Samsung top-grade dishwasher, and a GE Profile oven featuring convection and air fry modes. An upgraded 850 CFM exhaust fan makes this kitchen as functional as it is beautiful—perfect for everyday living or entertaining. Additional upgrades continue throughout the home, including extensively cleaned tile and grout (including bathrooms) within the past 4 months, as well as silent, non-squeak hinges installed on all interior doors and updated lever handles on select doors for a modern touch. The garage has been enhanced for year-round usability—featuring an LG portable air conditioner and two mounted wall fans to keep the space cool and comfortable even during Florida’s hottest months. It also includes a newer stand-up freezer and a secondary Whirlpool refrigerator, offering exceptional storage and flexibility. With no rear neighbors, you can enjoy your screened in lanai that is perfect for year round use. Outside, enjoy peace of mind with a fully repainted exterior completed within the last 8 months using high-quality Sherwin-Williams products—including the home, concrete porch, and back patio—giving the property outstanding curb appeal. Location is everything, and this home delivers—just minutes from shopping and dining including Publix, medical facilities, and convenient access to I-4 for an easy commute. You’re also a short drive to Central Florida’s world-famous beaches, theme parks, natural springs, and scenic walking and biking trails. This move-in-ready home truly has it all—upgrades, location, and value. Schedule your private 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.
