One or more photo(s) has been virtually staged. This home can be purchased with NO INCOME VERIFICATION needed! Welcome to 401 Halter Drive in Apopka, a home that perfectly blends modern design, privacy, and space—all in a quiet, family-oriented neighborhood with incredible convenience to everything Central Florida has to enjoy. Built in 2021, this 4-bedroom, 3-full bathroom home features 2,109 square feet of thoughtfully designed living space and sits on an oversized, fully fenced corner lot with a massive backyard ready for entertaining, relaxing, or letting pets and kids run free. One of the standout features of this home is the triple split floor plan, giving everyone in the household their own sense of privacy. The primary suite is tucked away from the other bedrooms, while the additional bedrooms are positioned on opposite sides of the home—making this layout perfect for families, guests, or anyone who appreciates having their own space. As you walk inside, you’re immediately greeted by the bright and open living, kitchen, and dining area that flows beautifully together. This open concept layout works perfectly for both everyday living and entertaining guests. Natural light pours through the windows, highlighting the modern finishes and clean design throughout the home. At the center of it all is the massive kitchen island, which truly anchors the heart of the home. Whether hosting friends, enjoying a casual meal, or prepping dinner, this oversized island creates plenty of room to gather. The kitchen also features upgraded fixtures, modern cabinetry, and generous counter space, making it as functional as it is beautiful. Step outside and discover one of the most enjoyable parts of the property: the large screened lanai, designed for year-round Florida living. Here you can relax after a long day, entertain friends, or simply unwind in the hot tub that will stay with the home for the new owner to enjoy. The screened enclosure makes it easy to enjoy the outdoors comfortably while overlooking the huge backyard—a rare find with endless possibilities. Need space for vehicles, storage, or hobbies? This home also includes a three-car garage, creating flexibility for cars, a golf cart, workshop space, or additional storage. The corner lot location adds extra yard space and enhances both privacy and curb appeal. The fully fenced yard creates a secure environment for pets and play while still leaving plenty of room to add a pool, garden, or outdoor entertaining area. Located in a quiet, family-friendly community with a neighborhood playground, this home provides the best of both worlds: peaceful suburban living with convenient access to everything Central Florida has to enjoy. Major highways are just minutes away, making it easy to reach Downtown Orlando, the theme parks, shopping, dining, and entertainment—all in under 30 minutes. Homes that combine modern construction, a triple split floor plan, a three-car garage, a massive yard, and an incredible outdoor living space rarely come along. If you’ve been searching for a home that delivers space, privacy, and a true Florida lifestyle, 401 Halter Drive is one you won’t want to miss.
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.
