Experience refined living in the gated community of Trevesta. This exceptional David Weekley Edinger model, offering 4 bedrooms, 3 bathrooms, and an additional flex space ideal for a private office or den, elegantly appointed with French doors. The inviting entryway welcomes you into an expansive open-concept design where natural light and thoughtful architecture create an atmosphere of understated luxury. At the heart of the home, the gourmet chef’s kitchen is impeccably designed with premium stainless-steel appliances, soft-grey shaker cabinetry, an upgraded designer tile backsplash with under-cabinet lighting, and a generous walk-in pantry. The oversized island with large stainless sink serves as both a functional workspace and a stylish gathering hub, with seating for 4 or more. Adjacent, a separate dining area provides a refined setting for entertaining, while the spacious family room impresses with a custom stone feature wall and curated open shelving—blending warmth with modern elegance. Throughout the living areas, luxury vinyl flooring offers both beauty and durability, complemented by porcelain tile finishes in all bathrooms. The primary suite is a serene retreat, filled with natural light from three picture windows overlooking tranquil water views. The spa-inspired en-suite bath features dual vanities, rich espresso cabinetry, with framed mirror, a glass-enclosed walk-in shower, private water closet, along with a generously sized walk-in closet designed for optimal organization. Enhanced with premium upgrades, the home includes a Culligan water softening system plus a separate filtration system delivering purified water to the kitchen and refrigerator—bringing convenience and wellness together seamlessly. The thoughtfully designed laundry space features an expansive countertop and shelving for effortless functionality. The three-car garage is equally impressive, featuring epoxy-coated flooring, a dedicated climate-controlled AC system with a UV air purification system for enhanced comfort and cleanliness. Brand new hot water heater. Outdoors, the meticulously landscaped grounds showcase mature trees and lush greenery, complemented by a paver driveway, walkway, and entry that elevate curb appeal. The extended, screened lanai creates a private outdoor sanctuary with ample room for lounging, dining, and entertaining—perfectly positioned to enjoy peaceful pond views and Florida’s relaxed year-round lifestyle.
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.
