Welcome to the desirable community of Union Park. This stunning home is perfectly situated on a corner lot and pond. It's zoned for Wiregrass High School! As you enter the neighborhood, you are greeted by a warm and inviting atmosphere, complete with a charming wood bridge crossing a waterway and picturesque conservation areas that enhance the community's appeal. This home features upscale landscaping and a well-appointed elevation that creates a memorable curb presence with a NEW ROOF in 2025. The double entry 8" doors open into a space with volume ceilings and a thoughtfully designed floor plan with 8' DOORS throughout. Just inside the entry, you'll find a private office with French doors—ideal for working from home or managing your home-based office. Designed for entertaining, the large formal dining room is perfect for gatherings with family and friends, especially during the holiday season. The culinary enthusiast in your family will love the kitchen, which boasts a huge CENTER ISLAND and ample storage with an abundance of cabinetry, including a deep walk-in pantry with enough room for small appliance storage. Across from the pantry, there's a convenient home management center to help keep you organized. Natural light fills the generous-sized breakfast and family rooms, creating a bright and welcoming atmosphere. At the rear of the home, an open lanai space allows you and your family to savor sunsets overlooking the pond, enjoy cookouts, and relax in the fresh air. There are two large bedrooms tucked away behind the kitchen, perfect for accommodating both sets of grandparents during their visits and or for MULTIGENERATIONAL living. The second floor offers 4 additional private family bedrooms, a loft space, a bonus room, and a private balcony. The primary bedroom features a WALK IN CLOSET that is the size of a bedroom and includes an en-suite bathroom with separate soaking tub. Additionally, there are three spacious secondary bedrooms and two secondary baths, along with a laundry room on the second floor. All of this is located just down the street from the amenity center, which includes a pool, play area, and workout gym. You’re also just minutes away from Wiregrass Mall, Wiregrass High School, Pasco Community College, Publix, an outlet mall, various eateries, medical and dental facilities, pet venues, and much more! Schedule your private 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.
