Take a look at how your luck just changed! Presenting this beautifully updated Countryside Country Club golf course masterpiece. Perfectly positioned along the 6th fairway of the Lake Course, this exceptional residence features soaring vaulted ceilings throughout the living areas, primary suite, and office, complemented by luxury vinyl flooring and an open, airy design. As you step through the designer leaded-glass front doors, prepare for a breathtaking first impression. The expansive living spaces, retextured ceilings, updated lighting, and sweeping golf course views create an immediate sense of elegance and comfort. The heart of the home is the spectacular chef's kitchen, anchored by an impressive 9' x 5' center island featuring abundant storage on both sides, a prep sink, and convenient electrical outlets. Custom cabinetry throughout has been thoughtfully designed with pull-outs and chef-inspired conveniences, blending beauty with functionality. Adding warmth and architectural interest, custom wood-paneled accent walls flow seamlessly into the family room, where the pattern is repeated to beautifully frame the wood-burning fireplace and hides the secret closet which is plumbed for a wet bar. Throughout the home, you'll appreciate custom closet systems, beautifully updated bathrooms (2 full and 2 half baths), insulated windows, and hurricane shutters. Plantation shutters, updated blinds, and designer shades further enhance the home's timeless appeal. Then comes the true "aha" moment—the primary suite. This private retreat features an extraordinary walk-in closet, not merely a closet, but an extraordinary dressing room, an unparallel feature to yearn for, along with the spa-inspired ensuite designed to be your personal sanctuary. Beyond the home itself, Countryside remains the crown jewel of north Pinellas County, offering an unmatched combination of location convenience, recreation, and lifestyle. Situated approximately 64 feet above sea level and located outside both flood and evacuation zones, you'll enjoy peace of mind while remaining just minutes from the Gulf beaches, Tampa Bay, shopping, dining, and top-rated amenities and schools, while being sandwiched between 2 golf courses and the quaint downtowns of Safety Harbor & Dunedin. This is more than a home—it's a lifestyle. One visit, and you'll understand why.
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.
