Pool Home with Heated Pool!! Welcome home to this beautifully maintained 4-bedroom, 3-bath pool home with a massive office and a 3-car garage, offering 3,270 sq ft of thoughtfully designed living space in the highly sought-after Holley by the Sea (HBTS) community, just minutes from the white-sand Navarre beaches.This home features a spacious open floor plan with durable LVP flooring throughout the living, family, and dining areas, making it ideal for everyday living and entertaining. The chef's kitchen is a standout, complete with GE stainless steel appliances, a double oven, granite countertops, a wraparound breakfast bar, a center island, and abundant cabinetry, perfect for hosting holiday feasts or casual gatherings. The family room adds warmth and character with a wood-burning fireplace for those cold nights. The expansive primary suite showcases tray ceilings and private access to the backyard oasis. The en-suite bathroom includes a custom tiled shower, soaking tub, and dual vanities. All closets and the pantry feature built-in organizational systems, providing exceptional storage throughout the home. The oversized office offers an ideal space for remote work, a home business, or flexible living needs. Step outside to your private retreat featuring a screened-in, heated saltwater pool (18x36) with tanning ledge, surrounded by a beautiful paver pool deck, perfect for year-round enjoyment. The backyard also includes some fruit trees and a raised garden, a 20x16 workshop with power, and added peace of mind with a whole-home 60Hz Generac propane generator. The 3-car garage adds exceptional functionality, with the third bay heated and cooled, ideal for a home gym, workshop, or specialty vehicle storage, and is pre-wired for EV charging. Recent updates include new pool cage screens (2025) and a water heater replaced in 2023. Residents of Holley by the Sea enjoy outstanding amenities including a private beach house, boat launch, pickleball courts, fitness center, and indoor and outdoor pools. This home delivers the Florida lifestyle buyers are searching for, spacious living, thoughtful upgrades, resort-style amenities, and close proximity to Navarre Beach.
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.
