Welcome to your private Florida retreat, where timeless craftsmanship meets modern luxury in a community with NO HOA and NO CDD. Fully fenced and nestled among acres of mature trees, this custom-built home offers rare peace and tranquility, with inviting spaces inside and out. Whether you're unwinding on the front porch swing or entertaining in your backyard oasis, every detail has been designed for comfort, elegance, and ease of living. Step into the grand foyer and take in the open concept design that flows seamlessly through a spacious sunken living room with a beautiful accent wall and new custom built-ins and stylish electric fireplace, an elegant dining area, and a chef's kitchen. With 5 bedrooms, a den/office/possible 6th bedroom, 3 full bathrooms, 2 half baths, and an oversized two-car garage, this split floor plan is ideal for family living and entertaining alike. The first-floor owner's suite is a true sanctuary, featuring a custom walk-in closet and a spa-inspired bathroom with a luxurious steam shower and a standalone bathtub. Two additional first-floor bedrooms include a Jack-and-Jill bath, offering both style and functionality, as well as a powder room perfect for guests. Upstairs, you'll find two generously sized bedrooms, a full bathroom, and a loft space. Throughout the home, you'll find gleaming elm wood floors, classic travertine, and exquisite custom woodwork that highlight the thoughtful craftsmanship. The gourmet kitchen is a dream come true, showcasing custom cabinetry, stainless steel appliances, a reverse osmosis system, and ample storage. Step through Anderson sliding doors to your outdoor paradise, complete with a heated, self-cleaning saltwater pool, NEW POOL PUMP (2025), covered lanai, double screen enclosed patios, and an electric fireplace, perfect for gatherings year-round. The property has been meticulously maintained, including tree trimming and removal. The Notable upgrades and features include: New METAL ROOF (2021) with double tie-downs, EV charger, 32 kW solar system with 3 Tesla Powerwalls for energy efficiency and backup power, and TWO HVAC UNITS (2025). This home is discreetly located minutes from the Grove, Krate, brand-new Target, the highly anticipated HUB, ample shopping and dining, medical, and multiple access points to the interstate. Schedule your personal tour today.
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.
