One or more photo(s) has been virtually staged. 2.5% VA ASSUMABLE LOAN! OPEN TO NON-VETERANS | ATTENTION BUYERS: UNBEATABLE OPPORTUNITY STOP THE SEARCH. This is the ultimate financial "unicorn." Imagine owning a million dollar + estate locked into a STAGGERINGLY LOW 2.5% INTEREST RATE. When compared to current market rates in the 6.4% range, this loan HAS THE POTENTIAL TO SAVE YOU HUNDREDS OF THOUSANDS IN INTEREST while providing OVER $250,000 IN ADDITIONAL PURCHASING POWER. This is SMART CAPITAL meeting "Modern Organic" luxury at its finest. THE COUNTRYSIDE MASTERPIECE | LUXURY REIMAGINED Situated in the heart of Countryside overlooking the COUNTRYSIDE COUNTRY CLUB, this estate combines massive scale with a recently completed CURATED $90K TRANSFORMATION. Perched "high and dry" (NO FLOOD INS. REQD) on a 1/2 ACRE LOT with 185 FT OF DIRECT GOLF COURSE FRONTAGE (Bayhead Hole #2), this stately home offers 4,300+ sq ft of elite living space. THE 2026 LUXURY REVOLUTION Meticulously reimagined with high-end finishes and clean industrial lines: • UNIFIED MODERN FLOORING: 4,000+ SQ FT of new LIGHT OAK LUXURY VINYL PLANK (LVP) for a seamless gallery feel throughout. • SPA-INSPIRED BATHROOMS: All 4 baths transformed with WHITE SHAKER VANITIES, PREMIUM QUARTZ, and BACKLIT MULTI-FUNCTION MIRRORS. • ARCHITECTURAL ARRIVAL: Entry doors finished in MATTE BLACK, opening to a refinished MATTE BLACK SPIRAL STAIRCASE anchoring the grand volume. • FRESH INTERIOR PAINT: Featuring SHERWIN-WILLIAMS ALABASTER for a crisp aesthetic that perfectly complements the new flooring. • DESIGNER CHEF'S KITCHEN: Open-concept space featuring custom cabinetry and one-of-a-kind TERRAZZO & STAINED CONCRETE countertops. • LIGHT & HARDWARE: New LED RECESSED LIGHTING throughout, paired with MATTE BLACK hardware and screwless faceplates for a flawless finish. THE PRIMARY WING: 900+ SQFT SANCTUARY The upstairs primary suite is a true "home within a home" offering: • ULTIMATE FLEX SPACE: Dedicated wing for an EXECUTIVE OFFICE, private gym, or nursery. • MASSIVE STORAGE: FOUR LARGE WALK-IN CLOSETS provide unparalleled capacity. • REFRESHED RETREAT: Dual white shaker vanities, quartz tops, and an elite shower with RAIN SHOWER HEAD. INFRASTRUCTURE INTEGRITY (4-POINT AUDIT) • ROOF: Full Replacement (2021). • HVAC: Dual-system replacement (2021). • ELECTRICAL: Main Electrical Panel/Box upgrade (2021). • PLUMBING: New Hot Water Heater (2021), New Water Softener and Sprinkler Controller installed (2022). • SECURITY: New Black Aluminum fully fenced backyard (2022). AN ENTERTAINER’S DREAM Experience drama with SOARING CEILINGS and floor-to-ceiling windows framing the golf course. • VERSATILE LAYOUT: Main level features a 4TH BEDROOM ENSUITE—perfect for guests or a high-end office. • OUTDOOR OPULENCE: OPEN-AIR POOL & SPA, private BOCCE COURT, and an OVERSIZED 3-CAR GARAGE. LOCATION: Golf-cart distance to CCC; minutes to TIA, elite dining, and world-famous beaches. THIS IS THE ONE. Bold architecture, modern luxury, and a GENERATIONAL 2.5% INTEREST RATE. Schedule your private tour today! DISCLAIMER: Info deemed reliable but not guaranteed; verify independently. Sq ft is approximate. 2.5% VA Assumption requires lender approval, specific eligibility, and payment of "equity gap" by buyer. No guarantees on assumption success or future system performance. Estate sold As-Is. Savings estimates based on 6.4% market rate comparison; actual results may vary. Not an offer to lend or commitment to finance.
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.
