Welcome to 366 Harwick Street — this meticulously maintained 3-bedroom, 2.5-bath pool home sitting on an oversized corner lot of nearly 1/3 acre. With over 2,400 square feet of heated living space, soaring 12–14-foot cathedral ceilings, impact skylights flooding the home with natural light, and a long list of major updates already completed, this home delivers exceptional value at every turn.The bones here are outstanding and the work has already been done. A new roof with impact-rated skylights and hurricane straps was installed in 2021. The complete HVAC system — both interior and exterior units — was replaced in 2025 with the new required refrigerant and additional returns added for improved airflow throughout. The entire home was repiped in 2020. The hot water heater, pool pump and equipment, irrigation pump and timer were all replaced in 2020 as well. All major appliances — refrigerator, microwave, dishwasher, washer, and dryer — were updated in 2020. The master bath was remodeled within the last year, the laundry room was updated in 2021, and the kitchen features new LED lighting installed in 2025/2026. Even the pool received attention this year with a new timer, a new 120V/12V transformer and switch for the pool light, and a new remote-controlled LED pool light. The interior layout is thoughtfully designed with a true split-bedroom floor plan, offering privacy for the primary suite while keeping the home open and connected. Every bedroom features walk-in closets. The primary suite includes dual closets and a beautifully remodeled en-suite bath. The 30-inch kitchen cabinets offer generous storage, and the home includes a whole-house central vacuum system — a rare feature rarely found at this price point. A working wood-burning fireplace anchors the main living area and adds a cozy focal point. Beyond the main living spaces, a large bonus room under air — originally conceived as a sunroom — provides an enclosed flex space with a convenient passthrough to the kitchen, ideal as a second living area, entertainment room, or home office. Tile flooring runs throughout the entire home for easy maintenance and a clean, cohesive look. Outside, the private screened pool enclosure features a gunite/concrete in-ground pool with brand-new lighting and equipment. The expansive corner lot provides extra parking beyond the 2-car attached garage and allows for a wide-open feel rarely available in established neighborhoods. The irrigation system — pump, timer, motor contactor, and pipes — has all been updated between 2020 and 2026 to keep the grounds in excellent shape year-round. Additional highlights that make this listing stand out from the competition: The sellers are offering a 1-year home warranty with a full-price offer — added peace of mind on top of an already extensively updated home. Assumable VA loan with a low interest rate that may be transferrable to qualified buyers — an extraordinary opportunity in today's rate environment. Located in Flood Zone X, meaning no flood insurance is required. No HOA fees, land priced at only $154/sq ft, well below replacement cost. This is a home where the heavy lifting is done. Move in with confidence knowing the roof, HVAC, plumbing, pool, irrigation, appliances, master bath, and more have all been addressed in recent years. 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.
