STUNNING 3-bedroom, 3-bath Cannes model featuring a saltwater, SOLAR-HEATED SPOOL and a dedicated GOLF CART GARAGE. This exceptional home offers an OPEN-CONCEPT floor plan with 20-inch CERAMIC TILE throughout (NO CARPETS) plus a standout HEATED and COOLED FOUR-SEASON room providing an ADDITIONAL 733 SQUARE FEET of LIVING SPACE, perfect for entertaining or relaxing year-round. As an added bonus this home offers the exceptional advantage of an ASSUMABLE MTGE at 2.78%, providing significant long-term savings for qualified buyers. A SOLAR TUBE enhances the home with abundant natural light throughout. The kitchen boasts GRANITE countertops, stainless steel appliances, 42-inch cabinetry with convenient PULL-OUT LOWER SHELVES, a breakfast bar, and an adjacent dining area, all opening seamlessly to the spacious great room. The den features elegant French door entry and offers flexible use as a media room, home office, or craft space. PRIMARY SUITE One is your very own private retreat, featuring a convenient door that opens directly to the glass-enclosed spool for effortless indoor-outdoor relaxation. The spacious ENSUITE BATH is beautifully appointed with a WALK-IN SHOWER, split vanities, a linen closet, and two generous closets, both enhanced with CUSTOM BUILT INS for extra storage and organization. Primary Suite Two, currently used as a home theatre, includes an attached ensuite bath boasting a SOAKING TUB, walk-in shower, split vanities, a private commode, and a linen closet—ideal for guests or multigenerational living. An additional third bedroom is located at the front of the home with an adjacent full bath, providing comfort and privacy for guests. Unwind in every season with an IN-GROUND GUNITE SALTWATER spool, set inside a stunning glass enclosure and kept comfortable YEAR-ROUND by a dedicated MINI-SPLIT system. Additional features include DOUBLE-PANE WINDOWS throughout the entire home and a PAID-IN-FULL SOLAR system, providing enhanced ENERGY EFFICIENCY and long-term savings. The HVAC system was replaced in 2019, and a whole-house air purification system was added to the air handler in 2021, enhancing comfort and indoor air quality. The garage features durable EPOXY FLOORING, a MOTORIZED OVERHEAD STORAGE LIFT, and a steel cabinet storage system. Additional upgrades include 8-foot interior doors, KINETICO WATER SOFTENER system (July 2025), upgraded lighting and ceiling fans, and PULL-DOWN ATTIC STAIRS for convenience. This exceptional, move-in-ready home invites you to experience elevated resort-style living. Schedule your private showing today and indulge in the unparalleled lifestyle and amenities this premier 55+ community has to offer. The HOA: - maintains the LANDSCAPING & IRRIGATION systems in the common areas as well as at individual homesites - maintains the roads throughout the community - PROVIDES SECURITY with gate guards and mobile patrols including the Polk County Sheriff - allows AUTOMATED GATE ACCESS for residents via license plate readers - provides residents with Fiber Optic Internet & TV service.***Poinciana Lakes Plaza is a MAJOR NEW SHOPPING CENTER directly across from the Solivita Main Gate. It features Sprouts Grocery, TJ MAXX, Ross, Burlington, Rack Room Shoes, 5 Below, Ulta, Outback, First Watch, 5 Guys, Panda Express, Bojangles, Jersey Mike's Subs, 5 Guys, Burrito Bar, Cold Stone Creamery, Urgent Care, Dentist, America's Best Eyeglasses, Crunch Fitness, Hair Cuttery, Petco, TD Bank, PLUS MORE TO COME.***
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.
