Why wait to build when you can move right into this beautifully upgraded 4-bedroom, 2.5-bath home in the highly desirable Zephyr Place community? Built in 2022 and offering nearly 1,900 square feet of thoughtfully designed living space, this home combines modern style, functional upgrades, and an unbeatable location in one of Pasco County's fastest-growing areas. Step inside to an open-concept floor plan featuring tile flooring throughout the entire first floor, creating a seamless flow for everyday living and entertaining. The spacious kitchen is the heart of the home, complete with granite countertops, abundant cabinetry, a large center island, and all appliances included. CUSTOM SHELVING in the pantry provides exceptional organization and storage. Upstairs, the private primary suite offers a relaxing retreat with a spacious walk-in closet enhanced by custom built-in shelving and an en-suite bath featuring dual sinks, granite countertops, and an UPGRADED GLASS-ENCLOSED SHOWER. Three additional bedrooms, a full bath, and convenient laundry room with custom shelving provide plenty of space for family, guests, or a home office. Enjoy outdoor living in the FULLY FENCED backyard, perfect for pets, play, and entertaining. The premium homesite offers added privacy with no direct rear neighbors and additional green space beyond the fence line maintained by the HOA. Zephyr Place is a family-friendly community with low HOA fees, no CDD fees, and Spectrum high-speed internet and basic cable included. Residents also enjoy smart home technology features, convenient access to shopping, dining, healthcare, and major commuter routes. Located near the rapidly growing Two Rivers corridor, homeowners will benefit from future planned healthcare, recreational, educational, and community amenities proposed for the area. Just a short drive to Tampa Premium Outlets, Wiregrass, KRATE at The Grove, downtown Tampa, Tampa International Airport, and Florida's world-famous Gulf Coast beaches. This move-in-ready home offers the perfect combination of affordability, upgrades, and location. Schedule your private showing today and discover why so many buyers are choosing to call Zephyr Place home.
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.
