A very rare opportunity for an almost 1/2 ACRE, 4-bed, 4-bath POOL and SPA home in the highly desirable Bristol Green neighborhood in BLOOMINGDALE. Situated in an "A" rated school zone, this home is a short walk from the local elementary school - no more carline! Over 3300 sqft of heated living space, paired with a massive amount of exterior living space, and a 3-CAR GARAGE come together to create a beautiful property that's rare to find at this price point. NO CDD and a VERY LOW $250 annual HOA fee! The soaring ceilings, abundance of natural light, a flow of warm laminate flooring, and the immediate unobstructed view to the pool welcome you in through the front door. There's a triple-split floor plan including a first-level bedroom with it's own full bathroom, perfect for an aging parent. Two more secondary bedrooms share a full bathroom in the hall, and the PRIMARY ENSUITE is on the opposite side of the home, connected to a sizable OFFICE/DEN that overlooks the front yard of the home. The spacious PRIMARY BEDROOM features DOUBLE WALK-IN CLOSETS, brand new carpet (April 2026), a glass slider to the POOL & JACUZZI, and a beautifully updated and luxurious ENSUITE to escape to! A free-standing soaking tub, quartz countertops, new plank-tile flooring, and an over-sized, tiled walk-in shower create the epitome of relaxation. Head upstairs to the extremely large BONUS ROOM w/ its own full bathroom, perfect for a Game Room or even a 5th Bedroom. The DREAM KITCHEN definitely takes center stage! New floor-to-ceiling cabinets, quartz countertops accented by beautiful tiled backsplash, a large stainless sink, a second smaller stainless sink for added convenience, and newer stainless appliances were designed to be THE CHEF's DREAM KITCHEN! The Kitchen overlooks the Great Room accented by a FIREPLACE and three large picture windows that feature electronic blinds to add extra convenience. Between a huge, under-the-stairs walk-in closet, the large laundry room with an abundance of built-in shelving, and a three-car garage with overhead attic space, this home has a plethora of extra storage space! You're going to love the exterior living space as much as the interior! The enormous Screened-In Lanai with a jumbo-sized POOL & JACUZZI and added water-fountain features offer a relaxing place to escape for some downtime. There's a large portion of under-roof space too, perfect for entertaining! Outside the screened-in area is a GIGANTIC grassed area, privately enclosed by fencing and a cement wall covered with beautiful, green foliage. Additional features include: water softener, solar tinting on the windows, pool components on Wifi app, ceiling speakers in great room, garage keypad, irrigation system, rain gutters, and a side yard storage shed. This home is truly a rare find, especially being zoned for some of the top schools in Hillsborough County! Close to a plethora of dining and shopping, in addition to Publix, Walmart, and a WHOLE FOODS coming in late 2026! ROOF (2019) Two HVAC's 2019 and 2016. Don't miss an opportunity to see this home before someone else grabs it. Back on the market because the couple felt it was too much house for just two of them.
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.
