One or more photo(s) has been virtually staged. Experience the ultimate Florida lifestyle in this immaculate golf course home situated on the 15th hole within the prestigious 55+ gated community of Highland Fairways. This stunning residence boasts 1,839 square feet of air-conditioned living space and 2,794 total square feet, including a bright Florida room, versatile screened-in patio and a golf cart garage. The interior is defined by elegance, featuring Bruce hardwood floors throughout the living room and bedrooms, complemented by sophisticated crown molding. White Rock special ordered from California lines the entry way! The gourmet kitchen is a chef’s delight, updated with corian countertops, kitchen-aid appliances, a breakfast bar, and a cozy eat-in dinette. Modern touches abound with new recessed lighting, under-counter illumination, a brand-new microwave, and a dedicated insinkerator for instant hot water. For effortless outdoor living, the kitchen opens to a screened patio equipped with an electric motor for 2 roll-up screens. The primary suite serves as a private sanctuary, featuring a tray ceiling, crown molding, and sliding glass doors that lead directly to the Florida room. The ensuite master bathroom has been beautifully modernized with his-and-hers above-counter sinks, a dedicated makeup vanity, porcelain title and two large walk-in closets. This thoughtful split floor plan places two additional spacious bedrooms on the opposite side of the home, both featuring hardwood floors and access to an updated guest bath with a new toilet, porcelain title and an above counter sink. A Special touch added to this fabulous property are the paver lights lining driveway and walkway that illuminates those areas. Peace of mind comes standard with significant recent upgrades, including a BRAND NEW ROOF installed in JANUARY 2026, a tankless natural gas water heater, new garage door opener, updated plumbing and enhanced attic insulation for maximum energy efficiency. Storage is never an issue with three separate attic access points and a specialized golf cart garage that can also serve as a workshop, in addition to the two-car garage. Located in the highly desirable Highland Fairways, you will enjoy world-class amenities including a community pool, tennis courts, golf, and a vibrant clubhouse. Ideally located near shopping, dining, and medical facilities, this move-in-ready home is waiting for you to bring your clubs and start living the dream.
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.
