PROFESSIONAL PHOTOS COMING! Welcome to your dream home in the highly sought-after Heritage Harbor community! This impressive 6-bedroom, 3-bath saltwater pool home boasts a premium location on the first tee of the golf course, offering side water views, a spacious corner lot, and ultimate privacy with only one neighbor. Set on a cul-de-sac, this home provides the perfect blend of luxury, comfort, & convenience. Families will appreciate the home’s proximity to some of the best education in the area. All three US News Award-Winning schools—elementary, middle, and high—are located together on a picturesque campus less than two miles from your doorstep. As you approach, you're welcomed by a lovely landscaped front yard that sets the tone for the elegance found within. The expansive, private paver lanai features a beautiful saltwater pool with therapeutic jets & bench seating, a screen enclosure (2017), & panoramic views of both the tranquil pond and the vibrant golf course. Elegant Interior features soaring ceilings & luxury flooring. Step inside to find high beautiful marble flooring, creating a bright and airy ambiance throughout the main living areas. The dining room, adjacent to the front living room, is graced with expansive windows, offering an abundance of natural light. The gourmet eat-in kitchen features granite counters, an island, breakfast bar, stainless-steel appliances, closet pantry, & ample cabinetry—this kitchen opens to a spacious family room with hardwood floors & a cozy wood-burning fireplace. The main floor guest suite offers a generous bedroom that is perfect for guests, complemented by an updated bathroom featuring a contemporary vanity and tile backsplash. Ascend the staircase adorned with newer carpeting to reach the expansive upper level, where the master suite & four inviting guest bedrooms await. The master suite impresses with its generous proportions, highlighted by laminate flooring and a recently installed fan. Step into the luxurious master bath, to include dual vanities for ample space, a garden tub for soaking, a separate tiled shower, and a spacious walk-in closet. This home features four generously sized guest bedrooms. Among these, one standout bedroom boasts an elegant double-door entry. The third bathroom has been tastefully updated. All the additional bedrooms also benefit from newly installed carpeting. Step out back to your private, expansive lanai to cool off in the saltwater pool or simply unwind while enjoying the peaceful pond views and the excitement of golfers teeing off nearby. Other amazing features include… Roof 2020, both A/C’s replaced in 2018 & 2019, front door 2016, updated water heater, remote control fans, newer oven & microwave, water softener, newer exterior paint, newer carpet in most bedrooms. This home is close walking distance to the pool & all Heritage Harbor amenities. Heritage Harbor offers residents can enjoy the 11,000 square-foot Clubhouse featuring a fully equipped fitness center, a dedicated after-school/summer camp program, a library, and activity center for all ages. Pre-school programs are nearby. Equipped with a playground, a quarter-acre swimming pool with a 50-foot, three-story water slide, 4 tennis courts, a sand volleyball court, basketball hoops, an outdoor rollerblading rink & golfers will delight in the Heritage Harbor Golf Course, a par-72, 6,900-yard course. Prime location, just minutes to the Suncoast Parkway, Dale Mabry for quick access to the airport.
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.
