Beyond the private gates of Harbour Walk, a rare & unique waterfront retreat awaits. This unique & custom coastal contemporary sanctuary is designed for both relaxed living and elevated entertaining. A custom oversized iron-and-glass entry door opens to a light-filled great room and open-concept kitchen, seamlessly framing one of the neighborhood’s most impressive outdoor living spaces. The expansive screened pool terrace is a true resort-style escape, featuring a saltwater pool with water features, sun shelf, and a six-person spa. An outdoor kitchen and dining area, gas fireplace, television, poolside half bath, unique double bunk sleeping area, and convenient storage with garage access complete this exceptional setting. Thoughtfully positioned to capture stunning downstream canal views, the outdoor spaces offer unforgettable sunsets from both the main patio and the upstairs owner’s balcony. Inside, the home is thoughtfully designed for comfort and sophistication. The chef’s kitchen offers abundant cabinetry, illuminated glass-front uppers, and a hidden butler’s pantry that blends seamlessly into the design. Upgraded 10-foot hurricane-impact pocketing sliders create a flawless indoor-outdoor flow, while an elegant electric fireplace adds warmth and architectural interest. A striking glass-railed staircase leads to the second level, dedicated entirely to the owner’s retreat, featuring a spa-inspired bath, two expansive custom walk-in closets, and a screened private balcony. This Arthur Rutenberg custom residence offers three bedrooms plus a den, three-and-a-half baths, and advanced Control4 smart-home technology managing security, lighting, audio, video, climate, and more. A porte-cochere entry reveals a two-car garage set back for privacy, along with a separate one-car garage with rear access, enhancing the home’s beautiful front elevation. Set on freshwater with convenient lock access to the Manatee River & Gulf, the property includes a private dock with an upgraded 14k pound boat lift with water and electric—perfect for boating enthusiasts. Additional highlights include a whole-home sound system, Ring security, water purification system, custom garage cabinetry, plantation shutters, automatic pool sunscreens, outdoor shower, multiple mounted televisions, built-in safe, hurricane-impact windows and doors, upgraded lighting and fans, and lush landscaping throughout. Located within the desirable gated enclave of Harbour Walk in The Inlets, this exceptional home offers effortless access to shopping, dining, entertainment, and major interstates connecting Tampa, St. Petersburg, Sarasota, and Naples. A rare opportunity to enjoy luxury waterfront living without compromise.
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.
