Your own private backyard retreat! Your secluded oasis is accessed through a covered lanai and features a resort-style saltwater pool with a hot tub, sun shelf and a swim-up bar serviced by a sunken outdoor kitchen. Enjoy a lifestyle of luxury and leisure with this exceptional 4-bedroom, 3-bathroom Single Level, Swift Creek Plantation home. Designed for those who love to entertain, the home features a spacious open floor plan that seamlessly connects the high-end kitchen, living & dining areas. Work with ease from the dedicated private office and host meals in the formal dining room. This meticulously maintained property is rounded out by a 3-car garage, high-quality finishes, landscape lighting & lush landscaping for maximum privacy. ASSUMABLE 2.75% VA MORTGAGE for qualified buyers. Pool has a gas heater for rapid heating and a heat pump for year-round temperature maintenance so the pool and hot tub are ready for enjoyment in any season. Large primary suite with private lanai access, jetted tub, separate shower and generous closet. Two roomy bedrooms share one hallway bath; fourth bedroom with its own adjacent bath and private lanai access can be closed off as an in-law, teen or guest suite. Custom built cabinetry, 5'' crown molding and upscale fixtures Bosch appliances to include combo microwave/convection oven. The chef can entertain over the granite-topped eat-in bar or connected eat-in kitchen. 2025 LG Craft Ice Smart Wi-Fi four-door refrigerator. A well-equipped laundry room with oversized fiberglass sink and convenient custom cabinetry. Outdoor shower with hot/cold watergreat for rinsing off and washing pets! Floored attic storage above garage with approx 6 ft of vertical clearance. Swift Creek Plantation has a voluntary HOA with an annual fee of $100 for maintenance of common areas. Assumable VA loan at 2.75% for qualified veterans. Note: Grass in photos is edited to match summer condition, twilight photos are edited but reflect existing landscape lighting. Buyer to verify anything deemed important including, but not limited to, lot size, school zones, room dimensions and sq/ft.
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.
