Grab a pool home before the summer rush!! Come on over for a swim In your heated pool yes HEATED (2026 NEW ROOF, 2024 electric pool heater) and check out your extremely well cared for 3 bed 2 bath POOL home, only the best, to enjoy Florida's hot summers. Step across the threshold and into your welcoming foyer, followed by an impressive living area encompassing living room and family room with wide open space. Off to your left, is the kitchen you have been dreaming of!! Enjoy your inviting kitchen, boasting plenty of counter and cabinet space, and premium stainless-steel appliances (2024 appliances). Your kitchen boasts very large impressive granite countertops with a passthrough peninsula, that overlooks your inviting living area, and views of your sparkling pool, perfect for entertaining and interacting with family and guests. In the living room you have a cozy welcoming wood burning fireplace perfect for those chilly days. Your master bathroom also comes complete with gorgeous open space and a dual sink vanity with granite countertops. Not to mention your large walk in shower. Your home comes complete with 3 bedrooms with plenty of closet space. Down the hall you will find your dual access guest bathroom that is just as impressive with an incredible shower/tub combo and granite counter tops. Your new home has far too many upgrades to list, from your upgraded kitchen, bathrooms, bedrooms, appliances, flooring throughout, heated pool, vinyl fencing and more. If the home doesn't take your breath away the backyard will. Step outside onto your back patio and you will find your tranquil pool oasis. Get ready to lay back and relax on the pool deck or hop in, and go for a swim!! Your backyard boasts an oversized 0.40 acre, fenced in, corner lot with plenty of room to drive an RV, ATV, Four-wheelers, boats and toys that you can imagine. This home is one that doesn't come across often and you do not want to miss out, so schedule a private showing today, and get ready to be amazed. (2026 ROOF, Pool heater 2024, Appliances 2024)
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.
