SCREENED SALTWATER POOL OASIS! 4 BEDROOMS PLUS HOME OFFICE! Welcome to your own slice of paradise tucked away in the vibrant heart of Tampa! If you’ve been searching for a home that perfectly balances luxury and everyday functionality, this stunning property in the Tuscany Woods community is going to blow you away. The moment you step inside, you’ll be struck by how bright and inviting the home feels. Large windows throughout the house pull in an incredible amount of natural light, making the open-concept living space feel even more expansive. Crown molding adds a touch of elegance throughout. The kitchen is a chef’s dream and the heart of the home, featuring beautiful granite countertops. stainless steel appliances, wood cabinets and a spacious layout that was practically made for entertaining guests. A large formal dining room allows you to enjoy your delicious meals with plenty of guests! For those who work from home, the dedicated office provides the perfect quiet space to stay productive. One of the best parts of this layout is the primary suite, which is conveniently located on the main floor and couples with a large ensuite bathroom with a large walk in shower and spacious closet for ultimate privacy and ease. Upstairs, you’ll find 3 additional bedrooms and a massive loft space that offers endless possibilities—it’s the perfect spot for a theater room, a massive play area, or a secondary lounge. The real showstopper, however, is the backyard. Step outside to your private, screened-in saltwater pool area where you can soak up the Florida sun without a worry in the world. Whether you’re hosting a summer BBQ or enjoying a quiet morning coffee by the water, this outdoor space is a true oasis. The location is absolutely unbeatable—you’re perfectly positioned to enjoy all the best shopping, dining, and entertainment Tampa has to offer while living in a neighborhood that feels like a quiet retreat. This home isn’t just a place to live; it’s a lifestyle upgrade that you have to see to believe!
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.
