Welcome to 720 Sunlit Court, a beautifully updated home ideally located in the desirable Brandon-area community of Breezy Meadows - Where you’ll enjoy NO HOA OR CDD FEES. From the moment you arrive, you’ll be impressed by the inviting brick façade with stucco accents and the peace of mind that comes with major upgrades already completed: ALL NEW RE-PIPE (2025), NEW ROOF (2021), NEW AC (2022), and NEW WATER HEATER (2025). Situated on just under a quarter-acre lot, this home offers both space and convenience. Step inside to a completely remodeled interior featuring staggered wood-look tile flooring in the foyer and main living areas. The spacious living room is warm and welcoming with its wood-burning fireplace, perfect for cozy evenings. All windows and sliders have been replaced with energy-efficient double-pane glass, and the entire home has fresh interior paint. The stunning remodeled kitchen boasts new cabinetry, gorgeous granite countertops, stainless-steel appliances, an undermount sink with a swan-neck faucet, and a charming breakfast nook highlighted by a large picture window. The primary suite offers brand-new carpet, generous space, and a beautifully renovated private bathroom featuring a glass-enclosed shower with floor-to-ceiling tile and a decorative stiletto insert, plus a new vanity, mirror, and toilet. This thoughtful three-way split floorplan includes one bedroom at the front of the home and two additional bedrooms on the back left side—both with wood-look tile. The remodeled guest bathroom includes a tub/shower combo with tiled walls and another stylish stiletto insert, a single vanity, updated fixtures, and a sliding glass door. Prepare to fall in love with the expansive covered and screened back porch, stretching the full length of the home—an ideal place for relaxing or entertaining. The fully fenced backyard offers ample space to add a pool, create a play area, or let pets roam freely. The garage includes a reinforced garage door and extra built-in cabinetry for storage. This home also features a whole-home water softener. All of this is tucked away in a prime Brandon location known for its convenience to shopping, dining, major roadways, and more.
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.
