Nestled on a premium Creekside lot in the highly sought-after gated community of River Hills Country Club, this beautiful 4-bedroom, 3-bathroom pool home offers the perfect blend of privacy, comfort, and natural beauty. Surrounded by lush, mature landscaping and backing to a scenic creek and conservation area, this property is a nature enthusiast's dream, providing peaceful views and abundant wildlife right from your own backyard. Thoughtfully maintained and extensively updated, the home features a new roof (2022), pool pump (2025), pool cage replacement (2026), exterior repainting (2026), and multiple windows and doors professionally re-filmed (2026), providing peace of mind for years to come. Step inside to discover a thoughtfully designed floor plan featuring formal living and dining rooms that offer flexible spaces to fit your family's unique needs. At the heart of the home, the spacious family room showcases stunning backyard views through large sliding glass doors and seamlessly connects to the kitchen, creating an ideal gathering space for entertaining and everyday living. The well-appointed kitchen features upgraded granite countertops, an updated center island, stainless steel appliances, abundant cabinetry, and generous counter space, providing plenty of storage and prep space for the home chef. Whether hosting family gatherings or preparing weeknight meals, this functional and inviting space is designed to accommodate it all. The extended primary suite is a true retreat, featuring a private sitting area, direct access to the lanai, two walk-in closets, and an en-suite bath complete with a garden tub and separate shower. The desirable triple-split floor plan offers privacy for everyone, with two secondary bedrooms tucked away at the rear of the home and an additional bedroom situated in its own private wing, making it an ideal guest suite, home office, or multi-generational living space. The true showstopper, however, is the incredible backyard retreat. Surrounded by lush tropical landscaping and mature live fencing that enhances privacy, this fully fenced outdoor oasis offers a peaceful connection to nature. A private gate provides access to the creek beyond, while dedicated garden spaces filled with fruits and vegetables create the perfect setting for gardening enthusiasts. Whether you're relaxing by the sparkling pool, unwinding on the screened lanai, entertaining guests, or simply enjoying the tranquil conservation views and abundant wildlife, this backyard delivers an extraordinary outdoor lifestyle rarely found in River Hills. River Hills Country Club is one of the area's premier communities, offering an 18-hole championship golf course, full practice facility, tennis courts, basketball courts, playgrounds, social events, and more. Residents enjoy the security and exclusivity of two 24-hour manned gates, along with access to top-rated schools. Conveniently located near shopping, dining, and entertainment throughout Brandon and Valrico, with an easy commute to Downtown Tampa and MacDill Air Force Base.
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.
