Welcome to Santa Fe at Stagecoach, where convenience meets serenity and maintenance free living becomes your everyday lifestyle. Nestled inside this highly sought-after gated community, this charming townhome offers the perfect blend of comfort, security, and ease. Positioned near the front of the community, the home provides quick and effortless access that is ideal for those who appreciate privacy and practicality. Step inside and you are greeted by an inviting open concept living and dining area, a space designed for connection and relaxation. The natural light and comfortable layout make it easy to imagine slow mornings, movie nights, or laughter-filled gatherings. Towards the back of the home, the kitchen features cabinetry with color and character, adding personality and warmth to the space. Whether you are brewing coffee before work or preparing dinner at the end of the day, this kitchen feels cheerful and connected to the serene view just beyond the patio. A half bathroom and convenient under stair storage for functionality. Step outside onto your private patio overlooking peaceful conservation views. This quiet escape invites you to sip your morning coffee or unwind with an evening breeze surrounded by nature. Upstairs, the two secondary bedrooms sit at the front of the home and share a refreshed bathroom featuring an updated vanity and flooring for a clean, modern touch. The spacious primary bedroom is privately located at the back of the home where you can wake up each morning to conservation views. A large walk in closet and private en suite bathroom complete this peaceful retreat. This home offers true maintenance free living. The HOA includes exterior building maintenance, lawn care, roof coverage, water, and trash services. Two assigned parking spaces are located directly in front of the home with guest parking just steps away. Located in the heart of Land O Lakes, Santa Fe at Stagecoach offers unbeatable convenience. You are minutes from major highways, premium shopping at the Tampa Premium Outlets, restaurants, medical facilities, and entertainment. This location provides the balance of convenience while still feeling tucked away from the bustle. Whether you are a first-time buyer, downsizing, or seeking a low maintenance lifestyle, this home offers more than just a place to live. It offers a feeling of home, a sense of ease, and the peaceful backdrop of conservation that many desire.
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.
