Located in the PRESTIGIOUS GATED COMMUNITY of The Fairways in Hunter’s Creek, this beautifully maintained two-story home sits on a 0.28-acre lot with peaceful water views and no rear neighbors. Offering 5 bedrooms and 3.5 baths, the thoughtfully designed layout provides both privacy and connection, making it ideal for families or multi-generational living. The primary suite is conveniently located on the first floor. The home features NUMEROUS UPGRADES throughout. The entire first floor was professionally retiled with elegant porcelain flooring, and new carpet was installed upstairs in 2021. All four bathrooms were fully renovated less than 10 years ago, including new cabinetry, sinks, tubs, showers, tile, and toilets. The kitchen was upgraded in 2024 with bright white 42" cabinetry, tile backsplash, quartz-style finishes, and new stainless-steel appliances, including a cutting-edge refrigerator. Major system updates add peace of mind, including whole-home PEX re-piping that is still under warranty, energy-efficient double-pane windows, three new French doors, and a new HVAC system installed in 2020. The SPACIOUS 3-car garage features durable epoxy flooring, perfect for storage, vehicles, or workshop space. The family room includes a cozy wood-burning fireplace. Step outside to a fully fenced backyard with an aluminum picket fence that preserves the water view while providing a safe space for children or pets. Enjoy a SALTWATER POOL, upgraded in 2023 with a new salt system and pump motor, offering softer water, reduced chlorine, and easier maintenance. The property also includes an irrigation system and well-maintained landscaping. Location is one of this home’s strongest advantages. Commuting is effortless with quick access to The Loop Shopping Center, Hwy 417, Hwy 528, Osceola Parkway, and John Young Parkway. The Orlando International Airport is just 18 minutes away, and Disney is only 17 minutes from your doorstep. Hunter’s Creek is known for its scenic walking trails, seven parks, tennis and basketball courts, and top-rated schools. This home offers a rare combination of space, upgrades, amenities, and an UNBEATABLE LOACTION in one of Central Florida’s most desirable communities! Schedule your showing 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.
