Welcome to the home that stops the scroll. Beautifully styled, thoughtfully designed, and far from your typical builder-grade feel, this 4-bedroom, 2.5-bath home, built in 2019, delivers the layout you need with the aesthetic you actually want. From the moment you walk in, you’re greeted with warm laminate wood flooring throughout the main living areas, setting an inviting tone. The main living space features a custom-designed accent wall with a floating mantle, a modern electric fireplace perfect for the nights you just want to stay in, and a sleek floating media console, creating the kind of space where you can unwind, host movie nights, or simply relax at home. The open-concept layout flows effortlessly, connecting the living, dining, and kitchen areas, ideal for entertaining or staying connected day-to-day. The downstairs layout offers both function and flexibility, including a convenient half bath and a walk-in laundry room with washer and dryer hookups, along with a tucked-away nook by the stairs featuring a custom bookshelf perfect for a reading space or work-from-home setup. The kitchen is designed for gathering, offering ample counter space and storage, stainless steel appliances with a smart-enabled refrigerator and microwave, a separate dining area for more formal meals, and an island that serves as the natural hub for casual dining and conversation. Step outside to a fully covered and screened-in lanai that extends your living space, ideal for relaxing or hosting year-round, while the fenced backyard offers room for pets, play, or your own private retreat. Upstairs, the primary suite is designed as a true escape, featuring custom accent walls, laminate flooring, a custom-designed closet system, upgraded fixtures, and a private ensuite with a garden tub and separate shower. The additional bedrooms provide flexibility for guests, a home office, or a growing household, and are complemented by an open loft area perfect for a playroom, media space, or additional lounge. Located in a well-maintained community with access to resort-style amenities, including a pool and playground, this home offers a balance of comfort and convenience, just minutes from Interstate 75, Interstate 4, and Selmon Expressway, with easy access to Downtown Tampa, Brandon, shopping, dining, and everyday essentials. Big enough to host, comfortable enough to stay, and designed for how you actually live. Schedule your private showing 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.
