Discover the perfect combination of space, comfort, and Florida living in this beautifully maintained four-bedroom, two-bathroom pool home located in the highly desirable Villages of Wesley Chapel. Offering over 2,200 square feet of living space, this residence features a versatile floor plan, modern updates, and an inviting outdoor retreat designed for both everyday living and entertaining. As you enter, you are welcomed by a spacious foyer with a convenient coat closet and a thoughtfully designed layout that offers flexibility for today’s lifestyle. The front sitting room provides the perfect opportunity for a formal dining area, office, or additional gathering space. The light-filled living room features double sliding glass doors that create a seamless connection between indoor and outdoor living. The heart of the home is the spacious kitchen, beautifully appointed with updated stainless steel Samsung appliances, abundant cabinetry, a breakfast bar, separate pantry, and a charming coffee bar. The adjoining dining area overlooks the sparkling pool, while the expansive family room showcases vaulted ceilings and plenty of room to relax with family and friends. The spacious primary suite offers a private retreat with direct access to the pool area through sliding glass doors. The ensuite bathroom features dual vanities, a garden soaking tub, glass-enclosed shower, and a generous walk-in closet. Three additional bedrooms provide plenty of space for family, guests, or a home office and share a second bathroom complete with a dual sink vanity. Step outside and enjoy your own private Florida escape. The screened-in pool area features a covered patio, a beautiful Pebble Tec pool finish, and a relaxing waterfall feature—perfect for entertaining, unwinding after a long day, or enjoying year-round outdoor living. Additional features include a solar panel connected to the water heater for added energy efficiency and a prime location near everything Wesley Chapel has to offer. Conveniently located near I-75, residents enjoy easy access to exceptional shopping, dining, and entertainment at Tampa Premium Outlets, The Shops at Wiregrass, and numerous local restaurants. This exceptional pool home offers the space, upgrades, and location you’ve been searching for. Don’t miss your opportunity to own a piece of the Wesley Chapel lifestyle—schedule your private showing today and make this Florida oasis your new home!
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.
