MOVE IN READY POOL HOME IN DESIRABLE TRINITY! This charming and well maintained 3-bedroom, 2-bath pool home in Trinity’s established Nature’s Hideaway is truly move-in ready. From the moment you arrive, you’ll be drawn to the inviting screened front porch—complete with a swing—perfect for enjoying Florida’s cooler evenings and morning sunrise. Inside, the home showcases a fresh, modern feel with updated luxury vinyl flooring, fresh interior paint, and thoughtfully curated finishes throughout. Peace of mind comes standard with hurricane-rated impact windows, a new roof (2018), and a 2018 AC system. The fully remodeled kitchen is both stylish and functional, featuring vaulted ceilings with wood detailing, a beautiful tile backsplash, upgraded finishes, and a redesigned pantry for optimal storage. The eat-in kitchen is enhanced by a charming bay window that fills the space with natural light. The spacious living room, with vaulted ceiling, opens seamlessly to the outdoor living area, where you’ll find a true backyard retreat. The primary suite offers a cozy window seat, walk-in closet, and a spacious ensuite bath featuring a walk-in shower, separate water closet, and an upgraded vanity sink. Two additional guest bedrooms provide ample closet space, while the guest bathroom has been tastefully updated with oil-rubbed bronze fixtures. Enjoy the screened lanai, resurfaced pool, new pool motor and filter, extended pool cage, and pool safety fence—perfect for entertaining or unwinding. The fully fenced yard also includes a fence for added versatility and peace of mind. Additional enhancements include two new toilets and a full ADT security system. Completing the home is a 2-car garage conveniently located off the kitchen, offering built-in storage solutions for everyday ease. A beautifully updated home blending comfort, functionality, and thoughtful upgrades—this is one you won’t want to miss. ZONED FOR TOP SCHOOLS! Located close to shopping, restaurants, schools, medical facilities and a short trip to Tampa Airport and Beaches. This is HOME
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.
