One or more photo(s) has been virtually staged. 2.5% VA ASSUMABLE LOAN — open to civilians and veterans. The Loan Itself Is Worth $315,000 — present value of paying 2.5% vs. today's 6.4%. 4,300+ SQFT Turn-Key Move-In Ready Golf Course Estate on .51 acres in Countryside, Clearwater FL. 4 BEDROOMS, 3.5 BATHROOMS. 1,000+ SqFt Master Wing — nearly 1/4 of the home. 185 Ft Golf Course Frontage on Countryside Country Club — Bayhead Hole #2. No Flood Insurance Required — high and dry. All Major Systems Updated 2021. $90,000 Recent Renovation. Remodeled Spa-Inspired Baths. ATTENTION BUYERS: UNBEATABLE OPPORTUNITY — STOP THE SEARCH. The ultimate financial "unicorn." Imagine a million dollar+ estate locked into a STAGGERINGLY LOW 2.5% INTEREST RATE. The Loan Itself Is Worth an estimated $315,000 — present value of paying 2.5% instead of today's 6.4% market rate over the remaining 25-year term. SMART CAPITAL meets "Modern Organic" luxury. THE COUNTRYSIDE MASTERPIECE | LUXURY REIMAGINED. Situated in the heart of Countryside overlooking Countryside Country Club, this Turn-Key Move-In Ready estate pairs massive scale with a recently completed CURATED $90,000 Recent Renovation. Perched high and dry (No Flood Insurance Required) on a 1/2 ACRE LOT with 185 Ft Golf Course Frontage (Bayhead Hole #2). 4,300+ SQFT of elite living space. THE 2026 LUXURY REVOLUTION — high-end finishes, clean industrial lines: • DESIGNER CHEF'S KITCHEN: Custom cabinetry and one-of-a-kind TERRAZZO & STAINED CONCRETE countertops. • REMODELED SPA-INSPIRED BATHS: All 4 baths — WHITE SHAKER VANITIES, PREMIUM QUARTZ, BACKLIT MIRRORS. • UNIFIED MODERN FLOORING: 4,000+ SQFT of new LIGHT OAK LUXURY VINYL PLANK throughout. • ARCHITECTURAL ARRIVAL: MATTE BLACK entry doors and refinished MATTE BLACK SPIRAL STAIRCASE. • FRESH PAINT: SHERWIN-WILLIAMS ALABASTER throughout. • LED RECESSED LIGHTING with MATTE BLACK hardware and screwless faceplates. THE PRIMARY WING: 1,000+ SqFt Master Wing — nearly 1/4 of the home. A true "home within a home": • FLEX SPACE: Dedicated wing for executive office, gym, or nursery. • MASSIVE STORAGE: FOUR LARGE WALK-IN CLOSETS. • REFRESHED RETREAT: Dual shaker vanities, quartz tops, RAIN SHOWER HEAD. All Major Systems Updated 2021 — Insurance-Ready 4-Point Audit: • ROOF: Full Replacement (2021). • HVAC: Dual-system replacement (2021). • ELECTRICAL: Main Panel upgrade (2021). • PLUMBING: New Hot Water Heater (2021), Water Softener & Sprinkler Controller (2022). • SECURITY: Black aluminum fully fenced backyard (2022). AN ENTERTAINER'S DREAM. SOARING CEILINGS, floor-to-ceiling golf course views. 4TH BEDROOM ENSUITE on main level — perfect for guests or office. OPEN-AIR POOL & SPA, oversized 3-car garage, designer landscaping. LOCATION: Golf-cart distance to Countryside Country Club. Convenient to Tampa International Airport, top-rated beaches, and Tampa Bay dining. THIS IS THE ONE. Bold architecture, modern luxury, Turn-Key Move-In Ready, 1,000+ SqFt Master Wing, Remodeled Spa-Inspired Baths, 185 Ft Golf Course Frontage on Countryside Country Club, and a GENERATIONAL 2.5% VA Assumable Loan — The Loan Itself Is Worth $315,000+ vs. TODAY'S MARKET. Schedule your private tour today! DISCLAIMER: Info deemed reliable but not guaranteed; verify independently. 2.5% VA assumption subject to lender approval, eligibility, and equity-gap payment by buyer. Sold As-Is. Savings estimate based on 6.4% market rate; actual results may vary.
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.
