Welcome to 3216 Olivia Breeze Drive — Kissimmee Nestled within a scenic lakefront community in Kissimmee, this spacious and beautifully maintained two-story home delivers the perfect blend of comfort, style, and peace of mind. Move-in ready with major recent upgrades already in place — including a new roof, new HVAC system, and new smart garage door openers — this home is truly turnkey. From the moment you step inside, soaring high ceilings and a bright, open layout set the tone for the inviting atmosphere found throughout. Durable tile flooring anchors the main living areas, while rich laminate wood flooring adds warmth and character to the upstairs bedrooms. At the heart of the home, the open-concept kitchen is designed for both everyday living and effortless entertaining. Solid-wood cabinetry, stainless steel appliances, generous counter space, and a large breakfast bar with decorative stone accents flow seamlessly into the dining and family room — creating a connected, social living experience. The family room impresses with a modern electric fireplace, feature wall, and expansive sliding glass doors that flood the space with natural light while opening directly to the covered patio. Also on the main level, a flexible bonus room — currently configured as a home office — offers endless possibilities as a playroom, creative studio, or additional living space. Upstairs, generously sized bedrooms provide the comfort and privacy every household deserves. The primary suite serves as a true retreat, complete with laminate flooring and a private ensuite featuring dual vanities and a walk-in shower. Outside, a covered lanai and fully fenced backyard create your own private outdoor oasis — ideal for relaxing, entertaining, or simply soaking in Florida's year-round sunshine. Residents enjoy low HOA fees and access to an exceptional suite of community amenities, including a resort-style pool, splash pad, fitness center, beach volleyball court, soccer field, playground, and pavilion areas — all set within a stunning lakefront community. Perfectly positioned just minutes from top-rated schools, premier shopping and dining, major highways, and world-famous attractions, including Walt Disney World, this home offers an unmatched combination of lifestyle, location, and value. Schedule your private showing today — opportunities like this don't last.
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.
