Welcome to 2726 Sapphire Blue Lane in the highly sought-after Indigo community at Lakewood Ranch. Built in 2020, this elegantly upgraded villa is perfectly positioned to capture peaceful nature views from its private, expanded lanai. Pocket sliding glass doors seamlessly connect the open-concept living space to the outdoors, creating a true indoor-outdoor Florida lifestyle. The thoughtfully designed split floor plan offers both comfort and functionality. The chef-inspired kitchen features custom white wood beadboard cabinetry with under-cabinet lighting, and tall 42” upper cabinets, soft-close dovetail drawers, Brazilian granite countertops, a spacious island with seating, stainless steel appliances including a gas range, and a walk-in pantry with wood shelving. Eight-foot interior doors, crown molding, upgraded lighting and fans, and wood-look luxury vinyl plank flooring throughout the main living areas elevate the home’s refined aesthetic. The light-filled great room and dining area flow effortlessly to the lanai, complete with high-impact sliding doors for added peace of mind. Constructed with poured concrete-filled walls, extra roof insulation upgrades for enhanced safety and quiet, and a whole-house surge protector, this residence offers both comfort and confidence. The primary suite is a tranquil retreat with serene nature views, a large walk-in closet with custom built-ins, a second oversized closet, and an en-suite bath featuring dual vanities, white cabinetry, and a spacious walk-in shower. The split layout positions the second bedroom and full bath toward the front of the home for privacy. A versatile flex room offers the perfect space for a den, office, or guest overflow. Additional features include high-impact windows and doors, custom window treatments, a large and well-equipped laundry room, ample storage, a two-car garage, and a paver driveway and walkway. Enjoy maintenance-free living just steps from the Villas’ private Oasis Pool and Spa. Indigo’s resort-style amenities include a second community pool and spa, clubhouse, fitness center, pickleball and bocce courts, playground, activity director, and more. Ideally located near UTC shopping and dining, Waterside Place, Premier Sports Campus, championship golf courses, scenic parks, and the world-renowned Gulf beaches — this home offers the perfect balance of serenity, luxury, and convenience. Experience effortless Florida living at its finest.
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.
