Luxury, sophistication, and resort-style living are masterfully combined in this exceptional estate residence within the prestigious, gated community of Estancia in Wesley Chapel. Designed and built by Standard Pacific, this expansive two-story home offers five bedrooms and four bathrooms, delivering an elegant balance of architectural presence and functional design suited for both refined everyday living and upscale entertaining. A professionally integrated smart home system provides seamless control of lighting, climate, security, and audio/video throughout the residence, enhancing both comfort and convenience. Multiple living and entertainment spaces offer versatility for hosting, relaxing, or multi-generational living, all unified by thoughtful flow and upscale finishes. The heart of the home is the chef’s kitchen, beautifully appointed with an oversized island, Wolf appliances, soft-close cabinetry, under-cabinet lighting, wine refrigerator, and premium finishes—effortlessly opening to the main living area for a truly connected entertaining experience. Tile flooring grounds the main level with timeless elegance, while newer carpet adds warmth and comfort to the upper level. The primary suite is a private sanctuary, offering a spa-inspired bath with a freestanding soaking tub, custom closet system, and refined finishes designed for relaxation and retreat. Every detail reflects quality craftsmanship and intentional design. Significant upgrades elevate the home further, including two new HVAC systems installed in 2025, custom Lutron motorized shades, plantation shutters, smart lighting, a central vacuum system, flat tile roof, and a paver driveway—underscoring both luxury and long-term value. Outdoor living is equally exceptional, featuring a private, heated saltwater pool and spa framed by covered and screened entertaining spaces, creating a serene and private backdrop for year-round enjoyment. Whether hosting or unwinding, this outdoor retreat offers both elegance and functionality. Residents of Estancia enjoy exclusive access to resort-style amenities including a grand clubhouse, pool, fitness center, tennis and basketball courts, scenic nature trails, and dog parks. Ideally positioned near Wiregrass Mall, Tampa Premium Outlets, top medical facilities, dining, and major commuter routes, this residence delivers an unparalleled blend of luxury, lifestyle, and location. A truly rare opportunity to own a move-in-ready estate home in one of Wesley Chapel’s most distinguished gated communities.
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.
