One or more photo(s) has been virtually staged. **Move-in ready lakefront home with NO HOA in beautiful Haines City!** Enjoy Florida living at its finest from this well-maintained home situated along the peaceful shores of Lake Moore, offering serene lake and preserve views from many rooms throughout the home. This attractive split-level residence features spacious living areas, a large deck overlooking the water, and plenty of room to relax, entertain, and enjoy the outdoors. The home has been thoughtfully updated and is ready for its next owner, featuring a **new roof in 2026**, **new deck added in 2026**, fresh interior paint, triple-pane windows, and a storm-ready exterior with built-in screws for easy and secure window coverings. The updated kitchen offers granite countertops, a gas stove, and a functional layout that opens comfortably to the living spaces. Additional features include a gas water heater, sprinkler system, fenced yard, and generous storage throughout. The downstairs level boasts an enormous **29' x 21' living room**, providing incredible flexibility for a family room, game room, media space, or entertaining area. The garage offers room for **two vehicles plus workshop space**, making it ideal for storage, hobbies, or projects. With large living spaces throughout, a split-level floor plan, lake views, and an updated move-in-ready interior, this home offers comfort, function, and lifestyle in one package. Step outside to your own private Florida paradise, where the beautiful new deck overlooks the lake and preserve setting. Whether you are enjoying morning coffee, or entertaining guests, this property captures the peaceful waterfront lifestyle buyers are looking for. Conveniently located near **Highway 27 and I-4**, this home provides excellent access to both the **Orlando and Tampa areas**, while still offering a quiet lakefront setting. Nearby shopping, recreation, employment centers, fire department access, and daily conveniences make this an ideal Central Florida location. **Lakefront, updated, move-in ready, NO HOA, and convenient to everything — this is a must-see home! Call today to schedule your private showing.**
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.
