COASTAL ELEGANCE ELEVATED! Shows like a MODEL! Welcome to refined, resort-style living in the highly sought-after 55+ gated community of Mirabella—Florida’s first LEED Platinum-certified neighborhood, built for cleaner indoor air, superior energy efficiency, and adherence to the most MODERN HURRICANE CODES. Here, luxury meets intelligence. And while you’re just minutes from the Gulf of Mexico and the sugar-sand beaches of Anna Maria Island, you’ll enjoy the added confidence of being outside the flood zone, with NO FLOOD INSURANCE required! This beautifully upgraded 2-bedroom, 2-bath villa with a 2-car garage and bonus room has been meticulously enhanced with pride of ownership seeping through every crevice. From the moment you enter, the transformation is clear. All-NEW CERAMIC TILE flooring flows seamlessly throughout the home, delivering a cohesive, high-end look that is as durable as it is elegant—no carpet, no transitions, just clean lines and effortless maintenance. The addition of NEW BASEBOARDS and fresh interior paint elevates every room, creating a crisp, modern backdrop that feels bright, open, and move-in ready. The kitchen has been tastefully refreshed with thoughtful details that make a meaningful difference. A new designer backsplash adds texture and visual interest, while NEW LIGHTING above the cabinetry creates warmth and dimension in the evenings. The upgraded three-rack dishwasher offers enhanced capacity and optimal cleaning performance—perfect for entertaining or simply enjoying everyday ease. Behind the scenes, the home shines just as brightly. A BRAND NEW HVAC system ensures efficient climate control year-round, while the NEW WATER HEATER provides reliable performance. The addition of a NEW WATER SOFTENER and REVERSE OSMOSIS system delivers noticeably impeccable water quality throughout the home—better for your skin, appliances, and overall comfort. Safety and resilience were also top priorities. With hurricane shutters and A new hurricane-rated front door that not only enhances curb appeal but provides added structural integrity and STORM PROTECTION, complementing the community’s modern building standards. The versatile BONUS ROOM offers flexible living space to suit your needs—ideal as a THIRD BEDROOM for guests, a private office, hobby room, den, or game room. It’s the kind of extra space that makes everyday living more comfortable and hosting more effortless. Outdoor living is where this villa truly shines. The OVERSIZED EXTENDED LINAI creates a spacious retreat for relaxing or entertaining, enhanced by electric remote-controlled privacy shades—two on the lanai and one on the sliding doors—allowing you to control light, privacy, and comfort instantly. Whether you’re enjoying morning coffee or unwinding at sunset, this space feels like a private sanctuary. Mirabella offers MAINTENANCE-FREE, resort-style living with a beautiful community pool and impeccably maintained grounds, so you can spend your time enjoying life rather than managing it. The location is simply exceptional—minutes from the Gulf beaches, Anna Maria Island, Blake Medical Center, Safe Harbor Pier 77 luxury marina, and countless shops and restaurants. This is more than an upgraded villa. It is thoughtfully improved, energy-efficient, storm-conscious, and perfectly positioned for the lifestyle you’ve been waiting for. Paradise, upgraded.
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.
