Virtually Staged. Welcome to 4204 Bugle Street, a beautifully upgraded residence offering refined finishes, thoughtful design, and an exceptional indoor-outdoor lifestyle. From the moment you arrive, the inviting front porch sets the tone for what awaits inside. Step through the foyer and into a light-filled layout where elegance meets functionality. Just off the entry, the formal living room provides a welcoming space for guests, seamlessly followed by the formal dining room—perfect for hosting dinners and special occasions with ease and style. The heart of the home is the chef-inspired kitchen, featuring granite countertops, stainless steel appliances, a gourmet oven, crown molding, a spacious island, and a breakfast bar. A kitchen and dinette combo enhances everyday dining, while the open-concept design flows effortlessly into the expansive family room. Here, you’ll enjoy an electric fireplace, in-ceiling speakers for immersive entertainment, and a bright, connected living space ideal for gatherings. On the first floor, Bedroom 5 offers incredible versatility—perfect as a guest suite, home office, study, or den—with convenient access to Bathroom 4, a full pool bath designed for functionality and comfort. Throughout the main level, porcelain tile flooring enhances the common areas, while plantation shutters, tray ceilings, and engineered hardwood flooring in all bedrooms elevate the home’s refined aesthetic. Bathrooms are finished with tile flooring and feature skylights/windows that bring in natural light. A blend of luxury and durability continues with real hardwood stairs leading to the second level. Upstairs, the primary suite is a private retreat featuring an en-suite bathroom, dual vanities with a separate makeup area, a water closet, and a spacious walk-in closet. Bedroom 2 also enjoys its own private en-suite bath, offering comfort and privacy. Bedrooms 3 and 4 are generously sized and share Bathroom 3, complete with dual sinks for added convenience. Additional upgrades include two AC units, a water softener system, and a tankless water heater, ensuring modern efficiency and comfort throughout. Step outside to your screened-in lanai and resort-style backyard oasis. Enjoy a saltwater pool and spa with a sundeck area, solar lighting that conveys, and a built-in gas grill—perfect for entertaining year-round. The iron fencing adds both charm and durability to the outdoor space. Completing this exceptional home is a spacious 3-car split garage featuring epoxy flooring, plus storage racks and shelving that will remain for the next owner. Blending luxury finishes, functional space, and true Florida indoor-outdoor living, this home delivers a lifestyle that is as comfortable as it is impressive.
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.
