This MOVE-IN READY, beautifully upgraded estate home is positioned on a premier golf course street within the guard-gated Lakewood National Golf Club community in Lakewood Ranch, offering an exceptional blend of luxury, comfort, and resort-style living. The residence features a wood- ceiling porch entrance, hurricane-impact windows, a remote-controlled retractable lanai hurricane screen, a sparkling saltwater pool, and a stunning wood-ceiling lanai with a fully equipped outdoor kitchen—creating an ideal setting for year-round entertaining. Inside, hardwood flooring extends through all non-tiled areas on both levels, enhancing the home’s warm, cohesive feel. The study, complete with closet, includes a Murphy bed and a built-in desk for two with storage, shelving, and filing cabinets, making it perfect for guests or remote work. The primary suite serves as a serene retreat with a custom built-in closet system, dual vanities, a separate walk-in shower, and a luxurious soaking tub. Additional enhancements include a whole-house water treatment system and reverse osmosis in the kitchen, tankless water heater, upgraded designer lighting, a whole-house generator connection, a Google camera system, and elegant tray ceilings with crown molding throughout. The garage is finished to perfection with epoxy flooring, insulated doors and attic, 2 Safe Racks overhead storage systems, a built-in cabinet system, and its own air conditioning, making it ideal for a workshop or climate-controlled storage. The expansive 600 sq.ft. second-level bonus room/bedroom offers incredible flexibility with a full bath, wet bar with sink and wine refrigerator, and sweeping golf course views—perfect for a media room, game room, private guest suite, or multigenerational living. Beyond its impressive upgrades, the home is designed for effortless everyday living. The open-concept layout creates seamless flow from the gourmet kitchen to the great room and out to the lanai, with large windows and sliding glass doors framing serene fairway vistas and filling the home with natural light. The kitchen offers abundant cabinetry, stainless steel appliances, and an island that invites gathering and conversation. Architectural details such as crown molding, tray ceilings, designer fixtures, and custom built-ins add refinement at every turn. The lanai becomes an extension of the home’s living space, offering a tranquil backdrop for morning coffee, sunset cocktails, and weekend barbecues. The saltwater pool, with an automatic robot cleaning system, glistens against the golf course setting, while the outdoor kitchen and wood-clad ceiling create a true resort-inspired ambiance. Residents of Lakewood National enjoy world-class amenities including two PGA-level golf courses, tennis, pickleball, bocce ball, a state-of-the-art fitness center, full-service spa, luxurious zero-entry resort pool, and a clubhouse offering fine dining and a lively Tiki Bar. This home delivers not only exceptional craftsmanship and upgrades, but also a lifestyle defined by luxury, convenience, and community in one of Lakewood Ranch’s most desirable neighborhoods. Note: This home has active, outdoor video surveilance.
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.
