FISHHAWK RANCH - ONE OF A KIND Ashton Woods Craftsman Style Home located in the popular Starling Section of Fishhawk Ranch! Guest parking out front and just steps from the Starling Clubhouse offering a resort style community pool, splash pad, outdoor playground, dog park, fitness center, pool tables, air hockey, and board games and More! This home is loaded with upgrades and special features. A Wonderfully designed plan featuring 4 Bedrooms, 3 ½ Baths, Upstairs Loft AND A first floor dining room that could be better suited as a Study/Home Office. You are greeted by a handsome elevation and brick paved Walkway and Front Porch. Step inside and immediately notice the luxury vinyl flooring and light/bright colors. Dressed in granite counters, the Gourmet kitchen is equipped with new appliances, tile backsplash, plenty of counter space, center island and walk in pantry. The Kitchen opens to a spacious family room with tons of natural light offering private backyard views. Venture upstairs to discover 4 bedrooms and a Bonus Room loft. Step outside and enjoy your the covered/screened lanai overlooking a spacious fenced backyard and the rear entry garage! This home offers reclaimed water for outside irrigation keeping the yard lush all year long. Looking for a home that offers the ultimate in comfort and convenience, and reduces your energy bills? Welcome to a Power House Green with Environments for Living (EFL) new home! Ashton Woods single family homes are built using a scientific procedure that enhances the performance of your home. Our super energy efficient features dramatically lower your energy costs and can save you an average of 20-25% every year on utility bills. With Environments for Living (EFL), your new Power House is earth-friendly. That means, in addition to keeping you and your family more comfortable, you new home features more efficient water management faucets, dishwashers, toilets and more efficient lighting. You'll live healthier, safer and greener than you ever thought possible. The New Home Owners will Enjoy Resort Style Amenities in Fishhawk Ranch Phases 1,2 AND 3! PLUS Top Rated Schools, Minutes to Tampa, Bus service available to MacDill AFB and an easy drive to World Class Beaches!
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.
