Welcome to this breathtaking, like-new 3-bedroom 2 bathroom residence, where modern elegance meets unparalleled convenience. As you enter, you are greeted by a bright living space and soaring vaulted ceilings, creating an inviting ambiance perfect for both relaxation and entertaining. The luxurious wood plank vinyl flooring flows seamlessly through the main living areas, offering a warm welcome to everyone that enters this home. The heart of this home is the exquisite kitchen, a chef's dream come true. The bright, open layout includes a massive island that serves as a stunning focal point for cooking and entertaining. Equipped with top-of-the-line stainless steel appliances, a stylish tile backsplash, a pull-down faucet, and soft-close cabinets, this culinary haven combines both functionality and elegance. A spacious walk-in pantry provides additional storage for all your kitchen essentials. This home is thoughtfully designed with Energy efficiency at the forefront, featuring large-capacity solar panels and excellent insulation that keep utility costs low while promoting a sustainable lifestyle. The solar system provider will pre-approve the new buyer for the transfer of the system. The home has an abundance of storage solutions, ensuring your living environment remains clutter-free. The dedicated laundry room features a convenient drop zone and a generously-sized laundry sink, making household chores a breeze. Escape to the expansive owner's suite, a true sanctuary that embodies comfort and elegance. This bright and spacious retreat features a generous walk-in closet and a dedicated vanity area, providing the perfect blend of functionality and luxury. The en-suite bathroom is designed for relaxation, showcasing dual vanities, a beautifully tiled walk-in shower, and a convenient linen closet. Every detail is crafted to ensure your needs are met with style and sophistication, creating an inviting space to unwind after a long day. Embrace the joys of outdoor living on your charming front porch or in the spacious screened lanai overlooking the backyard—an ideal setting for family gatherings or quiet evenings under the stars. Nestled in the desirable Highland Meadows community, this home is just moments away from shopping, dining, and recreation, making it the ideal sanctuary for today's lifestyle. This remarkable and vibrant neighborhood offers a wealth of amenities, including a community pool, soccer field, playground, and dog park. Experience the perfect blend of style, convenience, and community living in this stunning 3-bedroom, 2-bathroom gem. The seller is offering the furniture for sale as well, all the appliances are included in the sale except the washer and dryer which do not convey. Don’t miss your opportunity to call this exquisite property home—schedule your private viewing today and start envisioning the lifestyle that awaits you in this pristine, welcoming residence!
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.
