Welcome to 5206 Willow Breeze Way, a modern two-story home in the quaint Silverstone South community of less than 300 homes, that blends comfort, space, and convenience. Built in 2019 with all block construction, this four-bedroom, two-and-a-half-bath residence sits on a private conservation lot, offering a backyard retreat with no neighbors behind you—just the calming view of trees and greenery. Inside, you’ll find a thoughtful floor plan designed for today’s lifestyle. The kitchen serves as the heart of the home, showcasing granite counters, sleek cabinetry, a stylish backsplash, and a center island with seating. It flows seamlessly into the dining area and spacious living room, making it ideal for both casual family time and entertaining friends. The owners have added many sensible and appealing upgrades to ensure cozy living enhaced with excellent home functionality features. Upstairs, all four bedrooms provide comfort and flexibility, while the primary suite stands out with its walk-in closet and spa-like bath featuring dual sinks and a glass-enclosed shower. A loft area adds even more versatility, perfect for a home office, playroom, or media space. Once outside to the fenced backyard, where an extended patio creates the perfect spot for grilling, relaxing, or gathering under the Florida sun. The owner thoughtfully created a unique outdoor space of Zen including a six-foot fence to enhance privacy, along with serenity that includes updated Lanscaping among many fruitful trees including guava! With plenty of room to play, garden, or entertain, this outdoor space is both functional and truly magical. Living here also means enjoying community perks, including a refreshing resort-style pool. The location puts you close to Ellenton Premium Outlets, restaurants, schools, and quick I-75 access, so whether you’re heading to Sarasota, St. Pete, or the Gulf beaches, you’ll always be just a short drive away. This home is move-in ready and waiting to welcome its next owner—a perfect blend of privacy, style, and convenience.
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.
