PRICE IMPROVEMENT! Exceptional Value, Major Updates, and Move-In Ready! Welcome to 647 Alpine Thistle Drive, where thoughtful updates, generous living space, and a true sense of home come together in one of Brooksville's most sought-after communities. Now offered with a recent price improvement, this meticulously maintained 4-bedroom, 2.5-bath home presents an incredible opportunity for buyers seeking space, comfort, and value. Nestled on a quiet, sidewalk-lined street in desirable Trillium Village, this beautifully cared-for home offers over 2,600 square feet of flexible living space designed for today's lifestyle. Even better, major expenses have already been taken care of with a Brand-New Roof and New A/C installed in 2025, providing peace of mind for years to come. From the inviting front porch to the bright, open interior, pride of ownership is evident throughout. With low HOA fees and no CDD, residents enjoy exceptional value while still benefiting from community amenities including a resort-style pool, playground, sidewalks, streetlights, and trash service. Inside, the open-concept floor plan balances connection and privacy. A versatile first-floor flex space can easily serve as a home office, playroom, or formal dining room. At the center of the home, the spacious kitchen features granite countertops, stainless steel appliances, abundant cabinetry, and a large center island overlooking the main living areas, making it ideal for everyday living and entertaining. Upstairs, a spacious loft creates the perfect second living area for movie nights, gaming, or relaxing. The primary suite offers a peaceful retreat with generous closet space and a private bath, while three additional bedrooms provide plenty of room for family, guests, or hobbies. Step outside to the extended screened lanai overlooking a private backyard setting with no build-behind, creating the perfect space to relax, entertain, or enjoy Florida's beautiful weather year-round. Conveniently located near Publix, Target, Walmart, Sam's Club, local restaurants, parks, trails, and Weeki Wachee Springs State Park, this home also offers easy access to Tampa and the Gulf Coast. Homes with this combination of size, major updates, location, and value are becoming increasingly difficult to find. Move-in ready and competitively priced, 647 Alpine Thistle Drive is ready for its next chapter. Schedule your private showing today and discover why so many buyers are choosing to call Trillium Village 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.
