This Waterset home Located in Apollo Beach, offers the laid-back coastal lifestyle the area is known for. Enjoy quick access to marinas, waterfront dining, and local shopping, with Apollo Beach Nature Preserve and the Manatee Viewing Center just minutes away. Designed for both comfort and peace of mind as you enter the foyer you are welcomed by the tall ceilings which are adorned with beautiful crown molding. The open floor plan provides a great space for gatherings. The custom kitchen is fully upgraded with quartz counter tops, tons of extra cabinets, an extended island, and an ultra island! Your eyes are naturally drawn to the massive 24 ft. sliders and extended lanai that allows for easy entertaining and tons of natural sunlight! The lanai has an outdoor fire place. Ceiling fans through out the home perfect for Florida summers. The 3-car garage provides access to a large attic with a walk-up ladder, ceiling storage racks, and the doors open to the large paved driveway and a dedicated EV charger outlet, adding everyday convenience and long-term value. Thoughtful upgrades throughout enhance energy efficiency and livability. Convenient to US-41 and I-75, making trips into Tampa, Brandon, and Riverview easy while still enjoying a quieter community feel. Zoned for Hillsborough County Public Schools. A great option for buyers looking for Apollo Beach real estate close to the water, modern features, everyday conveniences, and the Tampa Bay area. There are 4 bedrooms, 3 full bathrooms, the spacious serene owner’s retreat features double quartz counter tops and large walk-in shower. with his and hers closets. The community offers resort style amenities such as pools with slides, splash pad, fitness centers, miles of walking/ biking trails, dog parks, and basketball, pickleball, and tennis courts. Schedule an appointment to see this beautiful home 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.
