A Life of Ease, Peace & Possibility in Palma Sola Trace... at THE best value, around! Imagine pulling into a quiet cul-de-sac at the end of a long day — where the gentle rustle of palm trees and the glow of evening light instantly invite you to exhale. This is where your new chapter begins. As you open the front door, you're welcomed by soft natural light pouring across spacious rooms and an easy, open flow that feels instantly calming. High ceilings lift your spirits, while warm engineered wood floors guide you effortlessly from one inviting space to the next. It’s the kind of home that doesn’t just look beautiful… it feels peaceful. The heart of the home is the open kitchen and great room — a space filled with laughter, conversation, and those everyday moments that matter most. Granite countertops, newer appliances, under-cabinet lighting, and thoughtful touches like a USB outlet show that this home was cared for, updated, and lived in with intention. --When it’s time to retreat, the private primary suite becomes your sanctuary — a place of quiet rest with a soothing ensuite, a well-designed closet, and just enough separation from the rest of the home to enjoy true tranquility. --The bonus room offers flexibility for whatever chapter comes next — a cozy guest room, a home office, or even a 4th bedroom. All 3 Bedrooms are plush and comfortable, with plantation shutters that gently filter the Florida sunlight. --Step outside to your screened lanai, where morning coffee is slow and unhurried, and evenings feel like a soft reset. Surrounded by mature landscaping and winding walking paths, this villa encourages a lifestyle of ease and connection. --And because life here is maintenance-free, you can spend more time doing what you love. Enjoy the resort-style heated pool, the fitness center, the clubhouse, the playground, and tree-lined sidewalks that make everyday living feel like a vacation. A long list of upgrades — including generator hook-up, hurricane shutters, updated A/C components, fresh exterior paint, and a brand new roof — gives you confidence and total peace of mind. --Just minutes from Gulf beaches (6 miles), dining, and shopping, this home offers a blend of great value, serenity, and convenience that is hard to find — and even harder to leave. --This is more than a spacious villa. It’s a feeling. It’s a lifestyle. It’s 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.
