Welcome to this impressive nearly 4,000 sq ft residence tucked away on a tranquil half-acre lot in the sought-after Kissimmee area. With 4 spacious bedrooms, 3 full bathrooms, a 3-car garage, and a screened-in pool, plus an office and fully paid-off solar panels, this home is designed for both comfortable living and exceptional entertaining. This property also offers the added benefit of an ASSUMABLE VA LOAN, providing a potential opportunity for qualified buyers to take advantage of favorable loan terms. From the moment you arrive, you're greeted by a beautifully manicured front yard with elegant paver walkways leading to a stately façade. The front entrance sets the tone with dual sidelites, an arched transom window, and a soaring second-story window that showcases the chandelier inside — a true statement of the grandeur that awaits. Step inside to the inviting family room, where natural light fills the space. To the right, discover a full guest bathroom conveniently situated between a well-sized guest bedroom and a versatile office space. Continue into the heart of the home and experience an open-concept layout connecting the kitchen, dining, and living areas. Accent walls add warmth and style, while French doors open to your private backyard oasis. The chef’s kitchen is a showstopper, featuring a large island with breakfast bar seating, stone countertops, rich dark cabinetry, stainless steel appliances, and a built-in double oven. Adjacent to the kitchen is a formal living room—perfect for entertaining—and easy access to the laundry room and garage. Upstairs, you’re welcomed by a spacious loft currently used as a home theater, complete with a projector and screen that convey with the home. To the left lies the luxurious primary suite, boasting a tray ceiling, stylish barn door, walk-in closet, and a spa-inspired ensuite with dual vanities, a centerpiece soaking tub, and a glass-enclosed walk-in shower. On the opposite side of the loft, you'll find two more generously-sized bedrooms with a full bath featuring a tub/shower combo and an extended vanity for extra space. Step outside into your private retreat. The expansive screened-in patio is ideal for al fresco dining, sunbathing, or simply lounging poolside. The resort-style pool features a tranquil stone waterfall, all set against the backdrop of a serene conservation area, offering peace and privacy with no rear neighbors. Additional features include fully paid-off solar panels, providing energy efficiency and long-term savings, and security cameras throughout the property that will convey with the home—offering peace of mind from day one. This home has it all — space, style, and serenity. Don’t miss your chance to own a piece of paradise at 2793 Autumn Breeze Way. Schedule your private showing today!**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.**
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.
