Welcome to this beautifully designed 5 bedroom, 3 bathroom, 3 car garage, two-story home with a pool; offering style, space, and modern upgrades throughout. From the moment you arrive, the impressive curb appeal shines with a wide paver driveway, fresh landscaping, and a welcoming covered entry. Inside, the foyer opens to bright and airy living spaces highlighted by neutral tones and elegant tile flooring laid in a diamond pattern.The heart of the home features a spacious living room with a custom floor-to-ceiling stacked stone accent wall, complete with a sleek electric fireplace and a built-in niche for your entertainment setup. Large windows fill the room with natural light.The open floor plan flows beautifully into the dining area with modern lighting and easy access to the outdoor living space through sliding glass doors. Where you can enjoy views of the private backyard and pool, creating a seamless indoor-outdoor lifestyle. The expansive kitchen, a true centerpiece of the home, features crisp white cabinetry, sleek granite countertops, and a spacious center island, this kitchen combines both style and function. Stainless steel appliances, a built-in microwave, and abundant counter space make it ideal for both everyday meals and entertaining. A convenient desk nook adds flexibility for work, homework, or recipe planning.Upstairs, you will find 3 additional bedrooms and a full bathroom, providing plenty of room for family and guests. A versatile loft space adds flexibility, perfect for a playroom, home office, or media area.The highlight of the second floor is the expansive primary retreat, a private haven designed for comfort. The bedroom offers ample space, with soft natural light streaming through the windows. Natural tones and plush carpeting creates a relaxing atmosphere. The ensuite math is equally impressive featuring dual vanities with granite countertops, a large soaking tub as the centerpiece, and a separate glass-enclosed shower. The bathroom flows seamlessly into an expansive custom walk-in closet with built-in shelving, drawers, and abundant hanging space - a true dream for organization and storage. Last but not least, is the private backyard oasis. A large covered lanai with ceiling fan and mounted TV creates the perfect space to relax or entertain, with the outdoor kitchen - complete with built-in grill and refrigerator - makes dining pool side effortless. The sparkling pool with integrated spa invites you to unwind, framed by a large paver patio. The backyard continues with a fire pit seating area, ideal for cozy evenings under the stars. With no rear neighbors and a backdrop of lush greenery, this outdoor retreat provides both privacy and tranquility. Whether it’s summer pool parties, weekend barbecues, or quiet nights by the fire, this space delivers the ultimate Florida lifestyle.
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.
