EMBRACE LUXURY & PRIVACY IN SOUGHT AFTER HARBOUR ISLES. NEWER ROOF (Oct 2024), NEW IMPACT-RATED WINDOWS (2025) ON 2ND FLOOR, BRAND NEW WATER HEATER (1/10/26), AND SOLAR PANELS THAT WILL BE PAID OFF (with acceptable offer) AT CLOSING. You'll love the LOW ELECTRIC BILLS!! You will first be impressed by the double door glass entry with large transom above that allows lots of natural light into the stunning 2 story foyer. AMAZING 4 BEDROOM, 4 FULL BATH, PLUS OFFICE & BONUS ROOM & OVERSIZED 3 CAR GARAGE. This home sits on .27 acre CONSERVATION LOT, FULLY FENCED and has been professionally landscaped in back with tropical trees & flowering shrubs allowing for complete privacy. Property also has RECLAIMED WATER which is a great savings for exterior watering. OVER 3300 SQ FT OF CERAMIC TILE is just one of the perks of the fabulous home. If you love to cook, you will love the size of kitchen complete with large island, oversized breakfast bar, and plenty of cabinets/counter space & 2 walk-in pantries. It also has breakfast nook with bay windows providing lots of natural light & view of the backyard. Nice size living room with triple sliders leading out to the gorgeous paved screened-in patio & garden area. The LARGE MASTER BEDROOM/BATH IS LOCATED ON THE 1ST FLOOR and has 2 walk in closets, spacious shower & dual sinks. NOW FOR THE UPSTAIRS....all bedrooms are generously sized (all ceramic tile), bedroom #3 includes private full bath. There is another full bath on 2nd level as well along with a separate storage room. BONUS ROOM on 2nd floor for everyone to enjoy! A/C 2017/2018, Hot water heater 2021.Community offers resort style pool, fitness center, clubhouse, walking trails, fishing piers, playground & boat/RV storage (if spots available). Great location in growing area and you can be to some of the nicest beaches in FL in less than an hour. NO FLOOD INSURANCE REQUIRED!! HOUSES DON'T LAST LONG ON THIS DESIRABLE STREET IN HARBOUR ISLES SO DON'T WAIT, CALL TO SEE IT TODAY!
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.
