Welcome to this beautifully appointed two-story home in the highly sought-after Barrington neighborhood of Sterling Hill, a resort-style gated community offering amenities for every lifestyle. Perfectly located and thoughtfully designed, this spacious home combines comfort, functionality, and elegance. As you enter the welcoming foyer, you're immediately met with warmth and a sense of belonging — the perfect place to hang your hat. To the right, a versatile flex room currently serves as a home office, but the possibilities are endless: playroom, formal dining, hobby space, or even a fifth bedroom. The heart of the home is the expansive, open living area, where the gourmet kitchen steals the show. Featuring gleaming granite countertops, a full suite of stainless steel appliances, a large pantry with ample shelving, and abundant cabinet space to tuck away small appliances, this kitchen is a chef's dream with an oversized pantry. The adjacent dining area comfortably accommodates a six-to-eight-seat high-top pub table, perfect for casual dining or family gatherings. Flowing into the spacious great room, you’ll love entertaining or relaxing here — whether it’s after Thanksgiving dinner, game day, or a cozy movie night. Open the sliding glass doors and let the Florida breeze in for true indoor-outdoor living. Also on the main level is a private bedroom with an en suite full bathroom, perfect for guests or in-laws who prefer to avoid stairs. Head upstairs to a bright and airy family room — a great second living area, playroom, or teen hangout. The oversized main bedroom offers a peaceful retreat, large enough for a king-size bed and still offering plenty of room to spare. It features two walk-in closet and a luxurious en-suite bathroom with double sinks, soaking tub, a walk-in, upgraded tiled shower with glass doors. You also have two other oversized bedrooms on this level. Your laundry room is oversized and upstairs. Outdoor Living at Its Best! Step through the sliding doors to your covered lanai — the perfect place to sip morning coffee, read a book, or fire up the smoker or Blackstone grill. Enjoy sunrise views from the east and sunset skies to the west, all from your backyard. For added convenience, the home includes a three-car garage with openers and plenty of parking, ceiling fans and many other features that your tour will allow you to discover. These thoughtful details are best appreciated in person, so come see all this home has to present. The Sterling Hill community offers unparalleled amenities. Barrington neighborhood is one of the most sought-after places to live. This awesome gated community is the right size to build lasting friendships and small neighborhood events. Affordable HOA & CDD Fees. Barrington offers exceptional value with low fees for a gated community packed with amenities. Schedule Your Tour Today! This move-in ready home is better than new construction and available for quick closing before the holidays. Qualifies for first-time buyer programs, special financing, and grants (to eligible buyers). Open daily until SOLD – Don’t miss out! Call now to book your private showing.
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.
