Why wait to build when you can step into your dream home today? Welcome to this stunning Sheffield model at 4212 Pebbles Throw Drive, an exceptional 4-bedroom, 2.5-bathroom residence nestled within the highly sought-after Storey Creek community in Kissimmee. This beautifully appointed two-story home offers approximately 2,734 square feet of refined living space, thoughtfully designed with a modern open-concept layout that is both elegant and functional. Flooded with natural light, the interior showcases high-end finishes and a seamless flow ideal for both everyday living and sophisticated entertaining. At the heart of the home, the gourmet kitchen impresses with 42-inch upgraded cabinetry with crown molding, sleek quartz countertops, a designer tile backsplash, and an oversized center island—perfect for gathering and entertaining. Just off the hallway, you’ll find a thoughtfully designed built-in office nook—ideal for remote work, study, or everyday organization—adding both convenience and functionality to the home’s layout. Upstairs, you are welcomed by a versatile loft-style den—perfect as a home office, media space, or children’s play area—providing additional flexible living space. The expansive primary suite serves as a private retreat, featuring a generously sized walk-in closet and a beautifully designed en-suite bathroom that blends comfort with modern luxury. Additional bedrooms provide ample space for family and guests. Step outside to a spacious backyard complete with a covered patio—perfect for hosting gatherings or enjoying quiet evenings. The home is further enhanced by a water softener system and thoughtful design elements throughout to support today’s lifestyle needs. Home is offered partially furnished. Residents of Storey Creek enjoy resort-style amenities, including a swimming pool, fitness center, clubhouse, tennis and basketball courts, playground, and dog park. Ideally located near SR 535, I-4, and US 192, this home offers convenient access to world-class shopping, dining, and entertainment. A rare opportunity to own a move-in-ready home that perfectly balances luxury, comfort, and location.
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.
