Back on market due to buyer’s change in circumstances. Now it's your turn to fall in love with this stunning custom pool home featuring a private in-law apartment — perfect for multi-generational living! The apartment includes its own kitchen, living area, and full bathroom, offering flexibility and privacy for guests or extended family. The downstairs owner’s suite is positioned at the front of the home with beautiful views and access to the pool. Retreat to your spacious en-suite featuring a huge walk-in shower, jacuzzi tub, dual sinks, and a walk-in closet with custom shelving. A unique hidden flex room adds incredible versatility and can be used as a second owner’s closet, private gym, office, or safe room. Step outside to your private backyard oasis with a saltwater pool showcasing three waterfalls, ample patio space, and added privacy — perfect for relaxing or entertaining. This expansive residence offers 5 bedrooms, 3 full bathrooms, and 2 half baths, along with a side-entry 2-car garage with convenient alley access. Enjoy living just moments from the neighborhood park and Buck Lake. With 4,131 square feet of living space (5,656 total square feet), the home welcomes you with a formal living area overlooking the gorgeous swimming pool. Monterey porcelain tile flooring flows throughout most of the downstairs, enhancing the modern feel. To the right of the foyer, the formal dining room offers views of the park and splash pad across the street. The updated gourmet kitchen is designed for both everyday living and entertaining, featuring stainless steel appliances, countertop range, tile backsplash, built-in oven, microwave, 42-inch wood cabinetry, a large island, closet pantry, recessed lighting, crown molding, and a butler’s pantry. The laundry room includes added cabinetry and a utility sink. Recent upgrades include: new roof, variable-speed saltwater pool pump, interior and exterior paint, two new AC units, whole-house gutters, modern metal stair railings, hurricane shutters for the entire first floor, epoxy garage flooring, tiled owner’s bedroom, two new propane hot water heaters, and new landscaping. 2023: Paid-in-full 4000-watt solar panel installation. 2025: Mini-split system installed in the garage. Ideally located near Harmony Community School, this home offers golf-cart-friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort-style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida’s East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don’t miss your opportunity to own this move-in-ready home — schedule your private showing today! Buyer to verify all room measurements.
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.
