One or more photo(s) has been virtually staged. Welcome to this beautiful, immaculate home offering the perfect blend of luxury, comfort, and modern efficiency. Featuring 4 spacious bedrooms, 3 full bathrooms, and a versatile den/office. This thoughtfully designed three-way split floor plan provides both privacy and functionality. Step inside to discover soaring high ceilings, an open-concept layout, and elegant ceramic tile flooring throughout the home and Luxury vinyl flooring in the bedrooms. The gourmet kitchen is a chef's dream, boasting granite countertops, a cooktop and double oven including a convection oven, Stainless steel appliances, glass tile backsplash, 42-inch cabinetry with crown molding, a walk-in pantry, touchless faucet, breakfast nook, and a separate formal dining room. The luxurious primary suite features a tray ceiling, an oversized walk-in closet, and a spa-like ensuite bathroom complete with dual vanities with granite countertops, a relaxing garden tub, and a separate tiled walk-in shower. The additional bathrooms each offer single vanities with granite worktops, and walk-in tiled showers. Additional interior features include a utility room with washer, dryer, and utility sink, A/C (2023), water softener (2024), whole-home water filtration system, heated toilet seats, newer light fixtures, smart ceiling fans, smart front door lock, smart garage door openers, wireless driveway alarm, and Blink security cameras positioned around each side of the exterior of the home. Rain gutters with leaf filtration. Designed with energy efficiency and peace of mind, this home includes SOLAR PANELS which provide "NET ZERO" Electricity Costs, a Tesla Powerwall backup battery system, and a tankless water heater installed in 2025. Ethernet and Wireless are available throughout the house and 220-volt outlet in the garage for EV Charging. Outside, you'll be impressed by the exceptional curb appeal, 3 CAR GARAGE, mature landscaping, and elegant travertine front walkway. Relax and unwind on the screened lanai with doggie door for your furry babies to enjoy the outdoors, overlooking a tranquil pond with no rear neighbors and fenced backyard providing privacy and beautiful views. Residents enjoy access to outstanding community amenities with LOW HOA COSTS including a resort-style pool, basketball courts, playground, barbecue pavilion, and dog park. Conveniently located near shopping including Wiregrass mall, dining, schools, and the popular Epperson and Mirada Lagoons, this exceptional property truly offers the best of Florida living.
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.
