One or more photo(s) has been virtually staged. Welcome to Juniper Bay of Lansbrook, where Florida living meets comfort, space, and scenic beauty. This beautiful 4-bedroom, 3-bath home with a 3-car garage offers a saltwater pool and breathtaking pond and preserve views, creating a peaceful and private setting where abundant wildlife is part of everyday life. The exterior was freshly painted in 2025, and major updates include a new roof and A/C system in 2018, along with a 2019 hot water heater and pool equipment. Inside, you’ll find plank wood-look laminate flooring in the living and dining rooms, an updated kitchen with granite countertops and stainless-steel appliances, and refreshed bathrooms featuring granite countertops. The split-bedroom floor plan provides excellent functionality and privacy, while the upstairs bonus room offers flexible living space ideal for a 5th bedroom, media room, or home office. A fenced backyard completes this outdoor oasis—perfect for entertaining or unwinding poolside while enjoying serene water views and frequent sightings of birds and other local wildlife. Lansbrook is a vibrant, highly sought-after community featuring a private boat ramp with access to Lake Tarpon, complete with day dock, picnic areas, restrooms, and grills. Miles of walking, jogging, and biking trails wind throughout the neighborhood, and residents enjoy community events such as movie nights by the lake. The community also offers a championship 18-hole golf course and a wide variety of recreational options. Conveniently located near top-rated schools, shopping, dining, beaches, and major highways, this home delivers a tranquil lifestyle without sacrificing convenience—an exceptional opportunity to enjoy everything Lansbrook has to offer.
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.
