Nestled in the highly desirable Walden Woods community, this stunning 4-bedroom, 2.5-bathroom, 2-car garage home offers the perfect blend of convenience and tranquility. Located near shopping, restaurants, and entertainment, with easy access to major roads, this property ensures a comfortable lifestyle with everything at your fingertips. This home offers a stunning open-concept kitchen and living area, perfect for effortless entertaining. A stylish island serves as the heart of the space, combining practicality with modern elegance. The luxury wood-look vinyl flooring creates a seamless and stylish flow throughout the kitchen-living room, stairs, and downstairs bath, exuding both warmth and refinement. Its rich texture and elegant appearance mimic natural wood, adding a touch of sophistication while maintaining durability and easy maintenance. The cohesive design enhances the inviting ambiance, making every space feel connected and effortlessly polished. Whether in high-traffic areas or intimate gathering spaces, this flooring choice balances practicality with timeless appeal. The master bedroom, master closet, great room, and hall closet feature exquisite real wood flooring, lending a sense of timeless refinement to these spaces. The warmth and authenticity of natural wood enhance the overall aesthetic, creating an inviting and sophisticated atmosphere. Meanwhile, the upstairs bathroom harmoniously blends luxury wood-look finishes with elegant tile accents, offering both style and functionality. Plush carpeting extends across the second level, adding a layer of comfort and coziness to the home, making it an ideal retreat. Every detail has been carefully considered to create a space that is both beautiful and practical. The newly installed roof in 2025 enhances both the structural integrity and aesthetic appeal of the home. Crafted for durability, it provides reliable protection against the elements, ensuring long-term peace of mind. This upgrade not only reinforces the home’s resilience but also complements its overall design, making it both a practical and stylish investment for years to come. The home’s thoughtful two-level design includes a generous loft space on the second level—providing the perfect setting for a home office, media room, or relaxation retreat. Outdoors, enjoy a covered porch and newly screened lanai, both beautifully enhanced with pavers, creating inviting spaces for gatherings. The well-maintained landscaping adds charm, and a vinyl-fenced yard offers privacy with no neighbors behind. This home is designed for both comfort and security, featuring the Guardian Security system to provide peace of mind. The spacious two-car garage ensures ample storage and convenient parking. Beyond the home itself, the community offers exceptional amenities, including a sparkling pool for relaxation and scenic natural trails for leisurely walks or outdoor activities. With low HOA fees per quarter, residents can enjoy these benefits without financial strain, making this property an even more attractive choice for homeowners. Don't miss the opportunity to own in this sought-after neighborhood!
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.
