Experience easy Florida living at 6321 Camino Drive, a beautifully appointed 4-bedroom, 3-bath townhome nestled within the vibrant Waterset community of Apollo Beach. Designed with both functionality and style in mind, this home offers spacious living areas, modern finishes, and an inviting atmosphere perfect for everyday living. The open-concept kitchen showcases quartz countertops, 42-inch cabinets, stainless-steel appliances, generous storage space, and a large island ideal for gathering and entertaining. Flowing seamlessly into the dining and living spaces, the layout creates a bright and connected feel throughout the home. Step outside to a private patio area that’s perfect for grilling, entertaining guests, or simply relaxing outdoors. Upstairs, the primary suite offers a private retreat with a spacious bathroom and plenty of closet space for added comfort. The home also features a 2-car detached garage located in the rear with additional parking space available for guests or extra vehicles. Enjoy the convenience of low-maintenance living with an HOA that covers exterior landscaping, lawn care, hedge and tree trimming, irrigation, exterior pest control, and even scheduled pressure washing, allowing you more time to enjoy everything the community has to offer. Waterset residents enjoy access to resort-style amenities including multiple pools, fitness centers, walking trails, playgrounds, parks, and beautifully maintained green spaces. Conveniently located near shopping, dining, hospitals, schools, and major roadways with easy access to Tampa, this home combines comfort, convenience, and community living in one of Apollo Beach’s most sought-after neighborhoods. Schedule your private showing today.
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.
