One or more photo(s) has been virtually staged. Move-In Ready Seller offering $5,000 Concession to Buyer + NEW Roof (2026) | 3,000+ Sq Ft Home with Lanai & Upgrades Welcome to a home that truly delivers the space, updates, and flexibility today’s buyers are searching for tucked inside one of Casselberry’s most desirable communities and ideally located just about 20–25 minutes from Downtown Orlando, offering convenient access to dining, entertainment, and major employment centers while maintaining the comfort and quiet of a suburban neighborhood. This beautifully maintained 4-bedroom, 3-bath residence offers over 3,000 square feet of thoughtfully designed living space, perfect for growing households, remote professionals, or anyone who loves to entertain, with high ceilings, open-concept living areas, and abundant natural light creating a seamless flow throughout. The spacious kitchen serves as the heart of the home, featuring granite countertops, 42-inch cabinetry, and stainless steel appliances, and opens directly to an expansive family room ideal for everyday living and gatherings. Upstairs, the oversized primary suite provides a true retreat with a large walk-in closet and a spa-inspired en-suite bath complete with dual sinks, a soaking garden tub, and a separate shower, while generously sized secondary bedrooms offer flexible space for guests, family, or home offices. French doors lead to a covered lanai, creating the perfect setting for outdoor dining, relaxing, and enjoying Florida’s year-round lifestyle. What truly sets this home apart are its major, peace-of-mind upgrades, including a brand NEW roof (2026), updated HVAC systems (2019 & 2021) installed with UV lights, renovated bathrooms, updated flooring, and fresh interior paint allowing buyers to move in with confidence and minimal future maintenance concerns. Beyond the home itself, Casselberry is known for its outdoor appeal, featuring more than 17 parks and over 120 acres of green space with lakes, trails, and recreation areas such as Secret Lake Park and Red Bug Lake Park, along with access to nature preserves and scenic outdoor activities throughout Seminole County. The area also offers a vibrant local lifestyle with nearby golf courses, breweries, art venues, and easy access to Orlando’s world-class attractions. Additionally, the home is conveniently located near several major colleges and universities including Rollins College, Full Sail University, Seminole State College, Valencia College, and the University of Central Florida making it an attractive option for faculty, students, and long-term investment potential, with dozens of higher-education institutions and a large student population throughout the region. The property is also served by Seminole County Public Schools, with several nearby schools ranking among the top in the area. Combining size, location, and extensive upgrades, this move-in ready home stands out as a rare opportunity in today’s market 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.
