Beautiful, spacious, and move-in ready 5-bedroom home located in the highly desirable Aberdeen community in Plant City — with NO CDD! This modern home offers the perfect blend of comfort, style, and functionality. As you step inside, you’ll love the open-concept layout, ideal for entertaining and everyday living. The kitchen is a true centerpiece, featuring stainless steel appliances, granite countertops, solid wood cabinetry, a large island, and a charming custom pantry door that adds warmth and character to the space. The home includes a convenient downstairs bedroom and full guest bathroom, perfect for visitors or multi-generational living. Upstairs, you’ll find a generous loft area with endless possibilities — create a media room, playroom, office, or second living space to fit your lifestyle. The spacious primary suite offers a relaxing retreat with walk-in closets and a beautifully designed bathroom featuring tile flooring and plenty of room to unwind. Three additional bedrooms upstairs also include walk-in closets, providing comfort and ample storage for everyone. The upstairs laundry room adds everyday convenience right where you need it most.Throughout the home, you’ll notice abundant storage, thoughtfully designed spaces, and plenty of natural light. Whether you’re hosting family gatherings or enjoying a quiet night in, this home truly checks all the boxes. Located just minutes from shopping, dining, and local conveniences, yet tucked away in a quiet, less congested part of Plant City, Aberdeen offers a peaceful community feel you’ll love coming home to.This one has it all — space, style, and location. Don’t miss your chance to make it yours!
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.
