Welcome home to a life of unparalleled luxury and active living in the highly sought-after, 55+ gated Del Webb Twin Lakes community! This stunning Amelia floor plan, featuring 2 bedrooms and 2 full baths, is a testament to meticulous care and custom upgrades, offering a truly turn-key experience. Step inside through the front door, featuring a beautiful custom glass insert, and immediately feel the quality and charm of this immaculate property. Throughout the home, you'll find elegant touches including wood plank tile flooring in the master bedroom, custom crown molding, and window shutters, with tinted windows enhancing both privacy and energy conservation. The gourmet kitchen is a chef's delight, boasting ample cabinets, custom subway tile backsplash, granite countertops, and a walk-in pantry. Designer pendant lights and a chandelier complete the space, making it perfect for entertaining. The living room is equally stylish with custom blinds, and double-wide sliding glass doors lead you to the screened-in lanai, your private oasis for morning coffee. Retreat to the Master Bedroom, featuring beautiful window shutters, a trey ceiling, and a ceiling fan. The master bath is a spa-like escape with a glass-door shower, a private water closet, a double vanity with quartz countertops, and brush Nickel hardware. A large, carpeted custom walk-in closet provides exceptional storage. The spacious laundry room is thoughtfully designed with upper shelves and lower cabinets for great organization, tile flooring, and granite countertops. The guest bedroom is also appointed with a ceiling fan and light, plus window shutters. For peace of mind, the home includes three Ring cameras (door, patio, and driveway). Your new home is more than a residence—it’s a lifestyle! The HOA amenities at Del Webb Twin Lakes are second to none, featuring a spectacular 20,000 square foot Clubhouse, a state-of-the-art Fitness Center, a spacious gathering room, game rooms with billiard and poker tables, an art room with a kiln, and a commercial kitchen. Enjoy the Florida sun with a resort-style pool, a lap pool, and a third pool at the carriage house. Stay active with tennis courts, a putting green, pickle ball courts, and walking trails. Best of all, enjoy Live Oak Lake with fishing access and community-provided pontoon and Jon boats—you’ll love boating and kayaking! The community boasts a full-time activities director, ensuring an active and social calendar. Golf carts are also allowed! This convenient St. Cloud location puts you only 20-25 minutes from Orlando International Airport and just 30 minutes from Disney, Sea World, Universal Studios, and all other favorite amusement parks. Don't miss the opportunity to experience adult luxury living the way it's meant to be! View this exceptional property 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.
