Coming Soon - Welcome to resort-style living in Epperson, where every day feels a little more like vacation. This beautifully designed Maronda Homes Columbus floor plan offers the space, comfort, and lifestyle buyers are looking for in one of Wesley Chapel’s most exciting communities. A well-located front porch is great for relaxing early mornings or late afternoons. Inside, the open-concept layout is built for connection. The living room, dining area, and kitchen flow together effortlessly, creating a bright and functional space for everyday living and entertainment. Crown molding adds a refined touch, while the first-floor office offers valuable flexibility as a work-from-home space, guest room, or quiet retreat. The oversized garage provides extra storage and convenience, and the backyard adds practical outdoor use. Upstairs, the generous bonus family room (loft) gives you even more room to spread out, whether for movie nights, game days, play space, or a comfortable lounge area. The primary suite feels like a true escape, featuring a tray ceiling that adds character and warmth to the room. Just a few blocks from Epperson’s famous 7.5-acre Crystal Lagoon, this home offers access to one of the most unique lifestyles in Tampa Bay. Spend the day relaxing on the sandy beach, swimming in clear blue water, enjoying community events, or exploring the neighborhood by golf cart. Epperson also offers UltraFi all-fiber internet, walking trails, a dog park, playgrounds, and a connected community atmosphere. With convenient access to The Grove, Tampa Premium Outlets, shopping, dining, entertainment, and an easy drive to downtown Tampa, this location delivers both lifestyle and convenience. Homes with this kind of flexible floor plan, and lagoon-community lifestyle do not come around often.
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.
