Reduced just in time before summer officially begins! Welcome to your OPEN FLOOR PLAN dream pool home in the highly sought-after South Lakeland gated community of Crews Lake Trails! This beautifully updated 4-bedroom, 2-bathroom home offers an exceptional blend of comfort, style, and convenience. Showing like a brand-new home, this property is truly move-in ready. Extensive Updates in 2026 elevate this home to a new level of luxury and peace of mind. Enjoy a New Roof with 30-Year Architectural Shingles, a New Water Heater, and a 2021 HVAC service ensuring optimal performance. The exterior and interior boast New Paint, complementing the Scratch and Water Resistant Laminate Flooring throughout. Modern living is enhanced with Designer Lighting, new Ceiling Fans with Remotes, New Smoke and CO2 Detectors, and a 2026 Stainless Steel Appliance Package. Step inside to discover a spacious and inviting open floor plan, perfect for modern living and entertaining. The interior boasts vaulted ceilings, tray accents, and crown molding, with an elegant stone fireplace wall serving as the focal point of the family room. The Kitchen Remodel features Quartz countertops complete with a waterfall island and solid quartz backsplash, shaker wood cabinetry with crown molding, a new sink, faucets, hardware, pantry closet, and new stainless steel appliances. The Bathroom remodel includes quartz countertops, new faucets, sinks, hardware, mirrors, and toilets. The primary suite is a true retreat, offering a spa-like soaking tub, oversized shower, double quartz vanities, two walk-in closets, and a built-in locking safe. Throughout the home, you'll find charming Plantation shutters and elegant double glass entry doors. The true highlight of this home is its private outdoor oasis. The heart of the home seamlessly extends to a gorgeous freeform heated pool featuring a premium Pebble Tec finish, an umbrella beach shelf, and four fountains. The pool enclosure has been rescreened and now includes electric retractable privacy pool blinds, providing the perfect setting for year-round enjoyment, entertaining, and privacy at the touch of a button. A removable pool safety fence is also included. The large screened lanai offers a fantastic entertaining space with beautiful views. The private yard is completely fenced with durable PVC vinyl fencing, while an alarm system and irrigation system provide added convenience and peace of mind. Tropical landscaping with fresh mulch completes this outdoor haven. Crews Lake Trails is a desirable gated community, offering a secure and serene living environment. The low annual HOA helps maintain community standards while preserving affordability. The property is conveniently located with easy access to shopping, dining, and everyday amenities. Valleyview Elementary, Lakeland Highlands Middle School, and George Jenkins High School are all nearby, making this an ideal location for families. This home has been meticulously updated and maintained, offering a truly move-in-ready experience. Don't miss the opportunity to own this stunning South Lakeland pool home. Schedule your private showing 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.
