Beautiful Golf Course view is located halfway on the 17th fairway, offering breathtaking views of the greens and fairways. Welcome to this spacious 2-bedroom, 2-bathroom home situated in the highly desirable 55+ golf course community of High Point. This lovely home is perfect for year-round enjoyment or as a seasonal retreat. From the moment you arrive, you will be greeted with a spacious front porch and a covered carport that leads to the large shed with an additional golf cart storage with a roll up door. Step inside to a nice open floor plan that leads to the expansive living room/dining room combo and is perfect for entertainment or relaxing with family. The nicely appointed kitchen offers ample space to prepare your meals. The roomy master bedroom features an ensuite with the master bathroom. The second bedroom offers generous space and easy access to the second bathroom. You will love the versatility of the 10x23 glass enclosed Florida room where you can enjoy your morning coffee, relax and unwind with a good book or enjoy watching the golfers play. The dedicated laundry room includes a washer, dryer utility sink and cabinets for storage. Recent updates and features include Roof 2011 and AC 2017. Whether you choose to update the interiors, enhance the curb appeal, or simply add your personal touches, a little care and attention will unlock this property's full potential. High Point offers an array of amenities, including a heated pool, tennis courts, golf course, horseshoes, bocce, pickleball, a community center, and much more. Best of all, you own your land, and HOA fees remain low, maximizing value and enjoyment. Just minutes from the famous Weeki Wachee live mermaids, Pine Island Park, and Roger’s Park for endless fun on the water. Close to shopping, dining, major medical facilities, and the Suncoast Parkway for easy commutes to the airport, Tampa, Clearwater, St. Pete Beaches (ranked among the top five U.S. beaches), and the renowned Tarpon Springs Sponge Docks.
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.
