Enjoy the ease of low-maintenance townhome living with peaceful green-space views, a screened lanai, attached garage parking, and access to a beautifully maintained community pool. This two-story residence offers a comfortable, functional layout with inviting indoor and outdoor spaces designed for everyday living and casual entertaining. Inside, the main living area features an open-concept flow with tile flooring, recessed lighting, neutral finishes, and sliding glass doors that bring in abundant natural light while connecting the interior to the screened outdoor living space. The kitchen offers warm wood cabinetry, generous counter space, a breakfast bar, pantry storage, stainless steel appliances, and a layout that keeps the kitchen connected to the living and dining areas, making it ideal for both everyday living and entertaining. Upstairs, the bedrooms provide comfortable retreats with ample natural light and flexible space for sleeping, working, or hobbies. The spacious primary suite is complemented by a bathroom featuring dual sinks, an oversized vanity, a soaking tub, and neutral tile finishes. An upstairs laundry area adds convenience and functionality to the home's thoughtful layout. The screened lanai extends the living space outdoors and overlooks a landscaped common green area with mature trees and palms, creating a relaxing setting for morning coffee, outdoor dining, or simply enjoying Florida's year-round outdoor lifestyle. The attached garage and private driveway provide additional parking and storage options. Residents enjoy access to a resort-style community pool, lounge areas, sidewalks, and beautifully maintained common spaces. Conveniently located in the heart of Tampa, this home offers easy access to major commuter routes including I-75, I-4, US-301, and the Selmon Expressway, making travel throughout Tampa Bay simple and efficient. Nearby shopping, grocery stores, restaurants, entertainment venues, and everyday conveniences provide everything you need just minutes from home. The property is also within easy reach of Downtown Tampa, Ybor City, Brandon, Tampa International Airport, professional sports venues, medical facilities, and many of the area's most popular destinations. Offering a combination of comfortable living space, outdoor enjoyment, community amenities, and a highly convenient location, this townhome presents an exceptional opportunity to enjoy the best of Tampa Bay living.
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.
