Discover this inviting home nestled in the heart of the thriving community of Wesley Chapel, offering a perfect blend of modern comfort, thoughtful design, and community-living convenience. As you step inside, you'll be welcomed by an open floor plan that effortlessly flows from the entry through the living space, ideal for both everyday living and entertaining. The living and dining areas are bright and spacious, creating a warm and inviting atmosphere for family gatherings or hosting friends. The kitchen is a chef's delight with ample cabinetry, solid countertops, and modern finishes—a space ready for everything from casual breakfasts to full holiday meals. A convenient layout ensures a smooth flow between the kitchen, dining, and living areas, making daily routines a breeze. Retreat to the peaceful bedrooms when the day winds down, each offering comfort and privacy. The master suite provides a serene sanctuary, while secondary bedrooms are roomy and flexible, perfect for guests or a home office. Outside, the home sits on a nicely sized lot with potential for a lush backyard, ideal for relaxing outdoors, gardening, or enjoying Florida's beautiful weather. Living here means access to all the perks of a thoughtfully designed community. Residents enjoy resort-style amenities including sparkling pools, a fully equipped clubhouse, playgrounds, fitness facilities, dog parks, and miles of walking and biking trails. The community also features UltraFi, offering the fastest at-home and community-wide internet speeds in the U.S., perfect for work, learning, and streaming. Conveniently located, the home is close to shopping, dining, schools, and major roads for easy commuting. Whether you're starting a new chapter or looking for a place to grow, 32597 Canyonlands Dr offers the comfort, style, and lifestyle you've been waiting for.
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.
