Welcome to this beautifully maintained Milan floor plan by CalAtlantic Homes, built in 2015 and truly move in ready. From the moment you arrive, you will appreciate the pride of ownership and recent updates that give this home a fresh, well cared for feel, including brand new exterior paint, fresh interior paint, and a full exterior power wash that enhances the home’s curb appeal. Inside, the thoughtfully designed floor plan offers four spacious bedrooms plus a large loft, creating flexible space for a second living area, home office, playroom, or media room. The layout provides both comfort and functionality, making it ideal for everyday living as well as entertaining. The main living areas feature durable ceramic tile flooring, while the second level has been refreshed with brand new carpet installed this year, adding warmth and comfort throughout the upstairs bedrooms and loft. The kitchen is the heart of the home and offers an abundance of granite countertop space, ample cabinetry for storage, and stainless steel appliances, making it both practical and inviting. The open layout allows the kitchen to flow seamlessly into the main living and formal dining areas, perfect for gathering with family and friends. Step outside to a fully fenced backyard with plenty of space to create your own outdoor paradise. Whether you envision adding a patio, garden, play area, or simply enjoying the open space, the yard offers endless possibilities and privacy. With its fresh updates, spacious floor plan, and move in ready condition, this home is the perfect opportunity for buyers looking for both comfort and convenience in a beautifully maintained property. Living in Estancia at Wiregrass Ranch means being part of a vibrant resort-style community with world-class amenities including lushly landscaped parks, scenic walking trails, and a resort-style clubhouse and pool—perfect for relaxation and recreation. Conveniently located near The Shops at Wiregrass, AdventHealth Wesley Chapel, I-75, and top-rated schools, this location offers an unmatched combination of elegance and accessibility. Don’t miss this rare opportunity to own a turnkey home in one of Wesley Chapel’s most desirable gated communities. With its modern design, post closing upgrades, high-end finishes, incredible amenities, and LOW HOA this home is truly a gem. Schedule your private showing today and experience the lifestyle you deserve! **Buyer may be eligible to receive closing cost credit through preferred lender.*
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.
