Step into modern Florida living in this beautifully upgraded 4-bedroom, 2-bathroom single-family pool home with (paid-off) solar panels located in the desirable Highland Meadows community of Haines City. Built in 2021 and offering 1,547 square feet of thoughtfully designed living space, this residence blends contemporary finishes, smart home features, and true indoor-outdoor living, creating a move-in ready opportunity that stands out in today’s market. The heart of the home features a stylish kitchen with white cabinetry, stainless steel appliances, tile backsplash, elegant pendant lighting over the kitchen island, and a reverse osmosis water system—designed for both everyday functionality and elevated entertaining. Luxury vinyl plank flooring flows throughout the entire home, complementing the modern aesthetic while offering durability and ease of maintenance. Built with energy efficiency in mind, the home includes Low-E windows, a 2021 roof, and a 2021 HVAC system for long-term peace of mind. Smart home enhancements such as four exterior security cameras and a smart doorbell system provide added convenience and security. Designed for Florida living at its best, the outdoor space is a private retreat featuring a screened lanai, full outdoor kitchen, mounted TV wall with included TV, patio awning for additional shade, water softener system, gutters, and a white vinyl fenced backyard. The sparkling pool is paired with an outdoor shower, creating the perfect setting for relaxing weekends or entertaining guests in a resort-style environment. Located in Highland Meadows, residents enjoy a quiet, family-friendly community with amenities including a community pool, playground, dog park, and private mail area. The neighborhood offers exceptional convenience with quick access to Highway 27 and I-4, making commuting to Orlando, Disney, and surrounding employment hubs seamless. Nearby conveniences include Publix, Target, top-rated schools, hospitals, dining options, and attractions such as LEGOLAND, enhancing both lifestyle and long-term value. This home delivers a rare combination of modern upgrades, energy efficiency, and lifestyle-driven amenities in one of Central Florida’s most accessible and growing areas—offering the ideal blend of comfort, convenience, and Florida outdoor living.
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.
