Welcome to Wind Meadows South, where life moves at a more comfortable pace without giving up convenience. Nestled in Bartow and just minutes from Lakeland, this beautifully maintained 4-bedroom, 2-bath home offers the perfect blend of modern comfort, outdoor lifestyle, and everyday connection. Outdoor enthusiasts explore nearby trails like Fort Fraser Trail or Panther Point Trail, spend your afternoons boating on Lake Hancock, or squeezing in a quick round of golf before heading home to relax. Here, nature, recreation, and neighborhood living all come together seamlessly. Built just three years ago, this home was designed for the way people truly live. The open-concept kitchen, dining, and living areas create a natural gathering space where conversations flow easily, whether you're entertaining guests, hosting family dinners, or enjoying a quiet night at home. Sliding glass doors extend your living space outdoors, making Florida indoor-outdoor living feel effortless year-round. One of the home’s standout features is the oversized fully fenced backyard with no rear neighbors, offering privacy, space, and peaceful views that are hard to find. There’s room for pets to play, gatherings with friends, or simply enjoying a quiet evening under the Florida sky. Tucked away at the rear of the home, the private owner’s suite creates a true retreat with its spacious en-suite bath and walk-in closet. Three additional bedrooms provide flexibility for growing families, guests, hobbies, or a dedicated home office designed around your lifestyle. Beyond the home itself, Wind Meadows South was built for connection and community. Residents enjoy a resort-style pool and cabana, playground, and two dog parks that make it easy to enjoy time outdoors and meet neighbors along the way. And perhaps most importantly, this home delivers value in today’s market. A rare assumable low-interest-rate mortgage may provide substantial monthly savings for qualified buyers. Plus, ask about a flexible path-to-homeownership financing option that may help buyers who need an alternative to traditional FHA financing, including a lease-to-own structure designed to create more opportunity and flexibility. This is more than just a house, it’s a lifestyle built around comfort, connection, and enjoying where you live. Schedule your private showing today and experience it for yourself.
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.
