Welcome to a beautifully refreshed home where thoughtful updates, lush landscaping, and major system improvements come together in perfect harmony. Every detail has been carefully considered so you can simply move in and enjoy. Stunning, Updated Kitchen! The heart of the home shines with a full suite of brand-new appliances, including a refrigerator, stove, dishwasher, and microwave — blending modern convenience with everyday functionality. Whether you’re preparing weeknight dinners or entertaining friends, this kitchen is ready to impress. Beautifully Updated Bathrooms! Both bathrooms have been tastefully refreshed with new vanities, sinks, and toilets, complemented by updated lighting fixtures that create a clean, bright, and contemporary feel. Fresh & Inviting Interior! Enjoy fresh interior paint throughout, enhanced by updated lighting and new ceiling fans that add comfort and style to every room. The home feels crisp, cohesive, and move-in ready. Major Systems Already Done for You! Peace of mind comes standard with: Roof replaced September 2020. A/C system replaced in 2017. Hot water heater replaced November 2025. These significant upgrades mean fewer worries and more enjoyment for years to come. Exceptional Outdoor Living & Lush Tropical Landscaping! Step outside to a freshly painted exterior and updated soffit lighting that enhances the home’s curb appeal. The rear deck has been recently re-stained with several boards replaced — creating a welcoming outdoor retreat perfect for morning coffee or evening gatherings. The grounds are truly special. Lovingly maintained for nearly a decade, the landscaping offers privacy, beauty, and remarkably low maintenance: Professionally installed clumping bamboo by Island Bamboo (in-ground 8+ years; non-invasive and naturally contained). Buddha bamboo along the rear fence for added privacy (grows approximately 8 feet tall). Large bird of paradise and a striking ponytail palm. Multiple mature plumeria trees that produce abundant blooms. Two established Confederate jasmine plants. Dutchman’s pipe vine draped over the shed, attracting beautiful swallowtail butterflies. Mature, fruit-producing mango tree (approximately 3 years established). Best of all, the landscape is designed to be low-to-no maintenance with no irrigation system required. This home offers the rare combination of stylish updates, solid major systems, and a private tropical setting — all thoughtfully curated and ready for its next owner to enjoy.
6960 52nd Way N, Pinellas Park, FL 33781
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.
