**Florida Ranch-Style Retreat with Saltwater Pool & Modern Upgrades** Welcome to your slice of Florida paradise! This beautifully maintained ranch-style home blends comfort, style, and the ultimate backyard lifestyle. Thoughtfully updated and meticulously cared for, this property is truly move-in ready and perfect for anyone who loves relaxing, entertaining, and enjoying the Florida sunshine. Inside, you’ll find a bright and welcoming living space highlighted by **custom shiplap detailing in the living room**, adding warmth and character to the heart of the home. The kitchen has been tastefully upgraded with **brand new cabinets installed in 2024**, along with a **new range and refrigerator added in 2025**. One of the kitchen’s standout features is the **sink positioned beneath a window overlooking the pool**, letting you enjoy the backyard view while cooking or entertaining. This home has seen significant improvements that add both value and peace of mind. It was **freshly painted in 2026**, new energy-efficient windows installed in 2022, and boasts a **new roof completed in 2024**. Additional updates include a **new hot water heater** and a **solar system** to help reduce energy costs. The home is also equipped with **full hurricane shutters** for added protection during storm season. Step outside and experience the lifestyle that makes Florida living so special. The backyard is fully enclosed with a **durable vinyl privacy fence**, creating a private oasis centered around the **saltwater pool**. The pool is equipped with a **heat pump that can both heat or cool the water**, making it comfortable year-round. The **outdoor living area** is designed for unforgettable gatherings and everyday relaxation. Enjoy evenings around the **gas fire pit**, play music through the **outdoor speaker system**, and host friends and family in a space that truly feels like a private resort. The property also includes **convenient storage sheds** for tools, lawn equipment, and pool supplies—keeping everything organized and out of sight. Whether you're hosting pool parties, grilling with friends, or simply unwinding after a long day, this home is built for entertaining and enjoying the Florida lifestyle. If you’ve been searching for a well-maintained, upgraded home with incredible outdoor living, this one checks all the boxes. Come see why this Florida ranch is the perfect place to call home.
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.
