Move-In Ready 3BR/2BA Home on a ¼-Acre Corner Lot – No HOA! Beautifully maintained and fully furnished, this stunning home offers the perfect blend of modern upgrades, thoughtful design, and inviting outdoor living. Situated on a spacious ¼-acre corner lot with no HOA fees, the property features a freshly painted exterior accented by stacked stone detailing, custom carriage lighting, and solar gutter lighting for enhanced curb appeal and security. A charming covered front porch welcomes you inside to a bright foyer complete with a coat closet, smart lock entry, and a transom window that fills the space with natural light. The spacious living room features a cozy electric fireplace with mantel and French doors overlooking the screened lanai. At the heart of the home is the beautifully appointed eat-in kitchen, showcasing 42” upper cabinets with crown molding, under-cabinet lighting, brushed nickel hardware, Corian countertops, recessed lighting, a closet pantry, and a large center island with breakfast bar. Stainless steel appliances, including a gas range and touchless gooseneck faucet, add both style and functionality. The breakfast nook overlooks the backyard and opens to the patio through French doors. An arched entryway leads into the formal dining room, highlighted by an elegant chandelier—perfect for entertaining. Luxury vinyl plank flooring flows throughout the main living areas, while the oversized great room provides additional gathering space and includes a built-in beverage niche with beverage cooler. The private primary suite offers a spacious walk-in closet with custom organizer system and designer chandelier. The spa-inspired ensuite bath features dual vanities, a jetted garden tub, linen closet, glass-enclosed walk-in shower, and a modern Bluetooth speaker light fixture. Guest bedrooms are equally inviting with upgraded ceiling fans and luxury vinyl plank flooring. Step outside and enjoy Florida living at its best with a screened-in lanai, pergola, and 12x12 deck—ideal for relaxing or entertaining guests. Additional Features Include: Fully furnished – truly move-in ready, Architectural shingle roof (2023), Fresh interior and exterior paint, Ring doorbell with cameras, Seven new ceiling fans with remotes, Programmable thermostat, Gutters, floodlights, and irrigation system, Laundry room with cabinetry, washer & dryer, Utility sink in garage, Two-car garage with opener Conveniently located near shopping, dining, Legoland, I-4, and Central Florida’s world-famous theme parks, this exceptional property combines comfort, style, and convenience in one incredible package.
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.
