ENERGY STAR Certified home built by Beazer Homes situated in the Gated Community of Harvest Landing in Clermont, offering stunning water views of Lake Wilma from the front and no rear neighbors for exceptional privacy. This is a two-story, single-family home that has 4 Bedrooms, 3 Bathrooms, and a 2-car garage. The first floor common areas has 18"x18" CERAMIC TILES as well as in the bathrooms and the laundry room. Open-concept KITCHEN/BREAKFAST AREA/FAMILY ROOM with separate formal LIVING ROOM. Chefs Kitchen w/ double ovens. The kitchen has 42" CABINETS with crown molding, GRANITE countertops, and STAINLESS STEEL appliances (range, microwave and dishwasher, built-in oven) Built In Pantry w/ added counter space. First floor MASTER BEDROOM is spacious with an Ensuite Bathroom, which has an enormous walk-in closet with built-ins. , separate vanities, granite countertops, a garden tub, a separate glass-enclosed shower, and a private water closet. BONUS ROOM on the second floor can be a work area, a play area, or a study area. There is also a secondary bedroom and full bathroom on second floor - great for guests. ENERGY STAR® features with R-38 insulation and a 15 SEER HVAC for lower utility bills. Paved Driveway, Transom window above entrance door with side lights for tons of natural light. Fenced in Yard with entrance on both sides. Exterior Emergency Generator Transfer Switch connection. Premium Lot, Water Front. Exterior Home Paint in 2024. Laundry Room Built-Ins. Stair Railings Upgrade. Window Blinds. Outdoor living is enhanced by a covered lanai. The combination of modern construction, energy efficiency, and prime location adjacent to Clermont Landing makes Harvest Landing particularly appealing to families and professionals seeking convenience and quality in southeast Clermont. Residents enjoy gated access, a shaded playground, and a scenic walking path around Lake Wilma, as well as plenty of street parking along the lakefront. The community is conveniently located just minutes from Epic Theatres Clermont and Clermont Crossing, a 586,000-square-foot shopping and dining destination with approximately 46 stores and restaurants. Situated in the scenic hills of Clermont, often called the “Gem of the Hills,” the area is known for some of the highest elevations in the Florida peninsula and beautiful rolling landscapes. The home is also conveniently located near Highways 27 and 50, providing an easy drive to Orlando International Airport, downtown Orlando, and world-famous attractions. This exceptional home offers upgraded features, a private outdoor retreat, beautiful lake views, and a prime location in one of Clermont’s most desirable gated communities!
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.
