Exceptional opportunity for qualified buyers to assume seller's VA loan at an incredibly LOW 2.35% interest rate, subject to VA approval. Welcome to 4289 Tour Trace, a rare estate-lot retreat bordered by protected conservation on three sides and positioned on a premium homesite with no rear, front or right-side neighbors! From the moment you arrive, the oversized paver driveway—accommodating up to four vehicles—pairs with a true four-car garage, a highly sought-after feature. Professionally landscaped grounds and a covered, pavered front porch with inviting seating and a ceiling fan create warm Southern charm and strong curb appeal. Inside this 2021 David Weekley Tangelo floor plan, 3,648 sq ft of bright, expansive living space immediately impresses. Elegant wood-look flooring, soaring ceilings, and abundant natural light establish a refined yet welcoming atmosphere. The home includes 4 bedrooms, 4.5 baths, a dedicated office, and an upstairs loft with a full bath. The 16×25 living room and gourmet kitchen form the heart of the home, blending thoughtful craftsmanship with modern comfort. The kitchen features a large island, upgraded cabinetry, stylish backsplash, contemporary finishes, Philips Hue cabinet lighting adding both function and modern ambiance, and an oversized walk-in pantry with wood shelving—bringing to life the kitchen-living layout many consider a dream come true. The serene primary suite offers dual walk-in closets and a spa-inspired bath. To the right of the entry, an office with double French glass doors. Adjacent are two secondary bedrooms sharing a well-appointed bathroom. In the left wing, a private mother-in-law suite sits beside the laundry room, both enhanced by upgraded tile flooring. Upstairs, a spacious loft with a full bath overlooks conservation views. Currently used as a media room, this versatile space can be enclosed to create a fifth bedroom if desired. The living room opens seamlessly to the gas-heated, 6-foot-deep pool and jacuzzi, complete with a screen enclosure, paver deck, conservation views, no rear neighbors, and a conveniently located half pool bath—creating a private, resort-style oasis perfect for year-round enjoyment. The fenced backyard enhances privacy, while the side garden showcases custom-maintained hibiscus trees and curated landscaping that add color, character, and tranquility. Additional features include a 2021 roof and 19 roof-mounted PV solar panels (covering approximately half of monthly electric usage, with the remaining balance paid off at closing), along with a security camera system for added peace of mind. Located in the desirable Bexley community, residents enjoy resort-style pools, a clubhouse with café, fitness center, dog parks, playgrounds, and miles of scenic trails. Top-rated schools are minutes away, with Bexley Elementary about 5 minutes and the middle and high schools roughly 10 minutes. Easy access to SR-54 and the Suncoast Parkway places Tampa International Airport and downtown Tampa within a short drive. Everyday conveniences—Publix, Target, Wiregrass, Tampa Premium Outlets, Costco, restaurants, cafés, medical facilities, and entertainment—are all nearby, while Florida’s Gulf beaches remain an easy weekend escape. This home offers a rare combination of privacy, space, efficiency, and thoughtful upgrades—all within a premier community close to shopping, dining, and top-rated schools. Homes with this level of privacy and lot positioning seldom come to market.
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.
