Access to property is by scheduled appointment only. New roof recently installed ** Kitchen appliances installed within the past year including refrigerator range and dishwasher ** 2017 construction with modern major systems ** Lake view lot with screened outdoor living ** Low HOA and CDD. One or more photo(s) has been virtually staged. 4411 Lindever Ln stands out in its price segment because it combines meaningful recent improvements with a practical layout and a setting that makes everyday living feel more open. With 1,748 square feet and four true bedrooms on a single story footprint, it delivers a larger, more usable plan than many nearby options, including a two car garage and an open concept main living area that keeps the kitchen, dining, and living spaces connected. The interior is set up for real daily function, with room to furnish the living area properly, a dining space that works for a full table, and a kitchen configuration that supports both quick weekday routines and larger gatherings without feeling tight. Bedroom distribution is flexible for the way buyers live now, allowing true separation for a home office, nursery, guest space, or hobby room without sacrificing the primary suite. Storage and utility spaces support the same theme, with an attached garage for gear and overflow, and a layout that does not waste square footage on awkward transitions. The outdoor connection functions as an extension of the home, giving the back of the property a more comfortable place to sit, eat, or unwind while keeping the rear outlook as the natural focal point rather than a neighboring wall. Monthly carry stays compelling for buyers watching payment math, since the community structure keeps costs lean while still offering amenities that feel like a true benefit, including a resort style pool, clubhouse, fitness center, playground, trails, and scenic common areas. Location rounds out the value story with easy access to I 75 and US 41, quick runs to Ellenton Premium Outlets, grocery, dining, and schools, and straightforward drives to Bradenton, Bradenton Beach, and Anna Maria Island for weekends. The result is a home that presents as well cared for and move in ready, with enough space to live comfortably now and enough flexibility to adapt later, without the immediate replacement list that can follow older properties in this range.
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.
