Welcome to a life that feels like vacation every day. Nestled in one of Central Florida’s most desirable guard-gated, active-adult golf communities, this beautifully updated 1,824 sq. ft. home delivers the comfort, quality, and freedom you’ve been dreaming of — all without the resort price tag. Every detail has been thoughtfully cared for — **NEW roof (2022)**, **NEW HVAC (2024)**, and **NEW water heater (2023)** — giving you peace of mind and more time to enjoy the things you love. Step inside and feel the spacious flow of the 27x16 great room — perfect for relaxed evenings or lively gatherings with friends. The chef’s kitchen inspires with its natural gas stainless steel range, generous pantry, and breakfast nook that’s made for morning coffee and good conversation. The split-bedroom layout offers privacy for you and your guests, while the owner’s suite invites you to unwind with dual vanities, a walk-in shower, and a roomy walk-in closet. A flexible 3rd bedroom or den lets you create the space you need — home office, hobby retreat, or extra guest room. Step out to your screened lanai, shaded by mature trees, and breathe in the tranquility. With solid block and stucco construction, high elevation, and insurance savings for wind and flood protection, this home offers strength and serenity in equal measure. But what truly sets this home apart is the lifestyle. Arlington Ridge is more than a community — it’s a way of living. Spend your mornings on the championship 18-hole golf course, your afternoons at the heated pool or fitness center, and your evenings with neighbors at the on-site restaurant, tavern, or free movie theater. Enjoy tennis, pickleball, billiards, or a peaceful stroll along golf cart-friendly streets lined with sidewalks and manicured landscapes. And with a remarkably low HOA of just **$123/month**, you’ll enjoy included lawn care, high-speed internet, Wi-Fi, and over 200 cable channels. With hardly any yardwork to worry about, what will you do with all your free time? Conveniently located near shopping, dining, medical services, and a short drive to Orlando’s attractions and both coasts’ beaches, this home blends resort-style living with everyday practicality. Don’t just buy a home — **embrace the lifestyle you deserve.** Schedule your private showing today and start living your best Florida life at Arlington Ridge.
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.
