Here is your chance to own your own piece of paradise. Welcome to this stunning two-story home featuring 4 bedrooms, 2.5 baths, and boasting a spacious 2152 square feet in the beautiful Willow Walk community. This Maronda built Lexington model is beautiful from the minute you enter the hose. From the moment you step inside, you'll be greeted by a beautifully designed space that exudes both elegance and functionality. The main focal point of the kitchen is the exquisite QUARTZ countertops that span throughout the room, offering ample space for meal preparation and entertaining. The sleek and modern design of the countertops adds a touch of sophistication to the heart of the home. The open concept design creates a seamless flow between the living room, dining area, and kitchen, making it ideal for entertaining guests and hosting family gatherings. The master suite is a true sanctuary located on the main floor and features a beautiful bathroom and a large walk in closet. With all the other bedrooms are located upstairs it offers you a private oasis to relax at the end of the day. As you explore the rest of the house, you'll find four spacious bedrooms, providing plenty of room for relaxation and privacy. The master suite is a true sanctuary, The home also features ceramic tile providing a durable and low-maintenance option that combines style and practicality. The flooring flows seamlessly throughout the living areas, adding a touch of warmth and charm to each room. With its desirable two-story layout, this home offers a great balance of space and functionality. In addition to the interior features, the property conveniently backs up to a conservation area and is partially fenced so you have plenty of privacy. The property is situated in a sought-after location, with convenient access to amenities, schools, beaches, and transportation. Willow Walk has a beautiful pool and a playground and a park. The neighborhood offers a serene atmosphere, perfect for those seeking a peaceful and comfortable lifestyle. The beautiful beaches of Anna Marie island are a short drive away. You are only a few miles from the Sunshine Skyway bridge and a couple miles from 75. Don't miss the opportunity to make this exceptional property your own. please use as is contract. All room sizes are approximate.
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.
