Step into this fully renovated, move-in-ready home located within the highly sought-after, gated community of Winston Trails, known for its A-rated schools and an exceptional lifestyle. Thoughtfully redesigned from top to bottom, this residence features smooth ceilings, stylish wood-look tile flooring with completely renovated kitchen & baths creating a clean, contemporary feel in every room. The newly renovated kitchen serves as the heart of the home, showcasing updated cabinetry, sleek finishes, and newer appliances, while the completely updated bathrooms offer spa-like comfort with modern design and quality craftsmanship. A salt water filtration system adds an extra benefit to the home that any buyer will LOVE! Major systems have already been updated including a newer roof (9 years old) and both A/C & water heater replaced in 2022, providing buyers with confidence and long-term value. Enjoy seamless indoor-outdoor living with a screened-in patio overlooking an oversized, fully fenced-in backyard perfect for entertaining, pets, or simply relaxing. The outdoor space features both avocado and mango trees, offering a true South Florida lifestyle right at home. With every major upgrade already completed and inside of one of the area's most desirable gated communities, this home delivers contemporary style, luxury and an unbeatable location. **Please note: some of the furniture is negotiable. The community of Winston Trails offers serene tree lined streets and lakes surrounded by a beautifully designed Joe Lee Championship golf course plus scenic walking trails as well as a full range of amenities, including 24 hr security gates, a security patrol, golf, pickleball, tennis, a community pool, a fitness center, a clubhouse with a terrace restaurant & bar, multiple playgrounds, lakes that allow fishing, and year round community events. High speed Internet and cable are included in the low HOA fee. Winston Trails is pet-friendly, making it a welcoming place for all members of the family. Winston Trails is ideally situated near major area grocers and retail such as Publix, Sprouts, a new Whole Foods, Starbucks, Target, TJ Maxx, and Home Goods. Fitness enthusiasts will appreciate the proximity to local parks and gyms such as LA Fitness, Orangetheory Fitness, F45 Training, Club Pilates, and Crunch Fitness. Just a short drive away, you'll find Downtown West Palm Beach, CityPlace, the Kravis Center, Norton Museum of Art, and the West Palm Art & Design District. The beach is also within easy reach. For travel, the community offers convenient access to I-95 and the Florida Turnpike, with Palm Beach International Airport only 20 minutes away, Fort Lauderdale-Hollywood International Airport 45 minutes away, and Miami International Airport 60 minutes away. Additionally, the new Brightline train service provides quick travel between Miami and Orlando. This home is a rare find, offering the perfect blend of tasteful updates and modern conveniences in a fantastic location. Schedule your private tour today and make this your new 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.
