Exquisite Luxury living in Viera's exclusive gated community of Charolais Estates. This amazing home, custom built in 2015, by a Premier Luxury Home builder. Elegance begins as you enter the grand entry with custom lead glass doors. Blending design, beauty and style with functionality throughout shines throughout this home. The grand soaring decorative ceilings from the formal dining to the oversized living room and on to the pool with the preserve area as the backdrop. The chef's kitchen includes Thermador Appliances, Pot Filler, and Custom Walk-in Pantries. The wall of sliding glass pocket doors opens to the expansive outdoor living spaces perfect for entertaining guests' poolside. Outdoor living is complete with lanai, outdoor kitchen, and spa/pool. Three bedrooms, three bathrooms on the main floor plus an office. Upstairs features 2 more bedrooms, a full bathroom, Movie/Cinema room, Game room and Bar plus a screened balcony overlooking the protected preserve! Supplement Remarks: Charolais in Viera: This is a highly desirable gated community with Viera's top rated schools, golf cart access to shopping, restaurants, and entertainment in Brevard's newest city living the Viera Lifestyle. Chef's kitchen: Complete with Indoor Grill with Pot Filler and Custom Hood, Double Convection oven, warming drawer and Microwave drawer! Generous walk-in Pantry featuring custom pull-out shelving and drawers along with a 2nd separate pantry for all your kitchen accessories and smaller appliances. All high-end "Thermador" appliances in the kitchen has Energy Star rating. The Formal Dining room is complemented with serving area that includes a wine cooler and separate bar. Multi-Generational Design: Primary en-Suite, Guest en-Suite and the third bedroom and guest bathrooms are all on the main level. Upstairs has 2 more bedrooms and a bathroom off the huge Game room with fully equipped wet bar, wine cooler, pool table and arcade game. The Cinema room is just like having your own movie theater with surround sound system and media! There is a screened private balcony upstairs overlooking the protected wildlife area. 2 Oversized Garages: The attached 2-car Garage can accommodate large SUVs. The Covered Breezeway (within the iron fence) leads to the semi-detached 4-car Garage (2 tandem spaces) complete with own AC with flexibility of uses such as a future In-law Suite, Workshop, RV, Boat, or Golf Cart storage. The possibilities are endless and even room to install a car lift in the semi-detached garage with 12' tall ceilings! Exterior Landscaping: The owners had a professional landscape architect re-design the front. There is black iron fence and paver walk-way around the exterior to the pool complete with multi-zone Sprinkler System on Well water. Pool/Spa: Gunite Screened Heated Pool has a Baja shelf for lounging. The Paver Pool Deck and Bubbler Spa and Waterfall overflow is the center attraction. Plenty of room to swim laps with the privacy of the Protected Preserve in the back. Outdoor Living: The outdoor living space has triple pocket slider bringing the outdoors into the Great room. There is also access to the Primary Bedroom and Kitchen Dining area with triple pocket sliders opening the full dining corner to the newly upgraded Outdoor Kitchen with Granite Breakfast Bar that is perfect for entertaining.
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.
