Welcome home! Located in the heart of Winter Haven, this BEAUTIFULLY RENOVATED POOL HOME offers the perfect blend of comfort, style, and outdoor living at an incredible value. Featuring 3 spacious bedrooms and 2 bathrooms, this move in ready home was thoughtfully designed for both everyday living and entertaining .Step inside and immediately fall in love with the STUNNING FULLY RENOVATED MODERN KITCHEN featuring newer stainless appliances, all-new cabinetry, gorgeous granite countertops, and a custom coffee bar perfect for your morning routine. The OPEN CONCEPT FLOORPLAN creates a bright and inviting atmosphere with seamless flow between the kitchen, dining, and living spaces, making this home ideal for hosting family and friends. Additional interior upgrades include NEW TILE FLOORING THROUGHOUT, fresh interior paint, and beautifully remodeled bathrooms complete with updated vanities and toilets. Every detail has been thoughtfully updated to provide a clean, modern, and stylish feel throughout the entire residence. Outside, your PRIVATE BACKYARD OASIS awaits! The stunning pool and spa, installed in 2025, features all equipment still under warranty, creating a worry free opportunity for the next owner. Enjoy relaxing or entertaining year-round on the EXTRA LARGE SCREENED IN LANAI featuring new double insulated roof panels, three oversized ceiling fans, installed power access, and a mounted TV bracket ready for game days or outdoor movie nights. The FULLY FENCED BACKYARD with privacy fencing provides the perfect space for pets, family gatherings, or simply relaxing in peace and tranquility. Located in a quiet and desirable community with a LOW ANNUAL HOA, this home truly checks all the boxes whether you are looking for your first home, a vacation retreat, or the perfect place to entertain. 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.
