Welcome home to this stunning two-story residence located within the highly sought-after Providence Golf & Country Club, a premier 24-hour manned gated community known for its award-winning amenities, championship golf, and resort-style living. Offering 4 bedrooms, 3 bathrooms, and a 2-car garage, this thoughtfully designed home blends comfort, functionality, and modern elegance. The heart of the home is the open-concept kitchen, featuring 42" wood cabinetry, quartz countertops, slate appliances, a large center island, and a sunny breakfast nook, all overlooking the spacious family room. Whether you're hosting family gatherings or enjoying everyday life, this inviting layout was designed for effortless entertaining and comfortable living. The spacious floor plan provides room for everyone, while the covered lanai offers the perfect place to unwind and enjoy Florida's beautiful weather year-round. Built with Everything's Included®, this highly energy-efficient home comes loaded with premium features, including quartz countertops in the kitchen and bathrooms, designer finishes, and expansive outdoor living space. Additional enhancements include added gutters, an irrigation system, water purification system, and professional landscaping, adding convenience, curb appeal, and long-term value. Living in Providence means enjoying one of Central Florida's best-kept secrets. Residents have access to an incredible array of resort-style amenities, including a fitness center, tennis courts, resort-style swimming pool, lap pool, biking trails, playground, dog park, clubhouse, on-site restaurant, and pro shop. Golf enthusiasts will appreciate the acclaimed 18-hole championship golf course designed by Michael Dasher, while also enjoying the flexibility that golf club membership is optional and not required. Even better, Providence offers the benefit of NO CDD fees and a low HOA, providing exceptional value while maintaining the community's beautiful grounds and amenities. Conveniently located near Disney, ChampionsGate, shopping, restaurants, supermarkets, medical facilities, and major highways, this home offers easy access to everything Central Florida has to offer. Whether you're looking for a primary residence, vacation getaway, or second home, this property delivers the perfect combination of location, lifestyle, and value. This hidden gem offers the best of resort-style living in one of Central Florida's most desirable gated golf communities. Your new home starts here—don't miss this opportunity. Schedule your private showing today!
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.
