Privacy, Great Schools and Room to Grow in the Heart of Wesley Chapel: At 4733 Royal Birkdale Way in Country Walk, you are not just purchasing a home, you are stepping into the lifestyle families move to Wesley Chapel for. From the moment you turn onto the beautiful tree lined streets, you feel the stability and pride that only an established community can offer. There is real space between homes, a sense of calm, and the comfort of knowing you are in one of the most sought after school zones in the area. Inside, fresh paint and brand new carpet create a clean, welcoming start, while the granite kitchen with stainless steel appliances, including washer, dryer, and water softener, becomes the heart of everyday life. Picture homework at the counter, holiday gatherings that spill into the living spaces, and quiet mornings filled with natural light. Step out to your screened lanai and take in what so many buyers are searching for but rarely find: a large backyard with no rear neighbors, offering privacy, room to play, and space to truly breathe. Security cameras add peace of mind, while the Country Walk amenities elevate daily living with pools, clubhouse, fitness center, tennis, pickleball, basketball courts, playgrounds, dog parks, and community spaces that bring neighbors together. Wesley Chapel continues to grow because families want strong schools, thoughtful planning, and proximity to everything, yet inventory in established neighborhoods with privacy and updates like this remains limited. If you have been waiting for the right home that feels warm, functional, and move in ready in the heart of it all, this is your opportunity to secure it before someone else does. **Ask about this homes FHA 3.75% Assumable Rate Mortgage - Restrictions Apply**
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.
