NOW IS THE TIME! PRICE JUST REDUCED ON THIS STUNNING HOME IN A SOUGHT-AFTER GATED COMMUNITY. ENJOY A PRIME LOCATION, PREMIUM STYLE, AND HIGH-END UPGRADES AND EXTERIOR ELEVATION - ALL AT AN INCREDIBLE PRICE FOR A HOME OF THIS SIZE & QUALITY. DONT WAIT- OPPORTUNITIES LIKE THIS ARE RARE! THIS IS YOUR CHANCE TO OWN AN EXCEPTIONAL PROPERTY YOU'LL ABSOLUTELY LOVE TO CALL HOME! This beautiful Craftsman Key Largo II, a stunning WestBay home is designed for comfort, practicality, and entertaining. Located in the sought-after gated community of La Collina, you'll enjoy relaxing at the resort style pool, clubouse, dog park (with fun agility obstacles) and playground. The inviting front porch sets the tone, perfect for sipping your favorite beverage and greeting neighbors. Step inside to a dramatic open plan with soaring 12-foot ceilings in the foyer, formal dining room, grand room, and chef’s kitchen, creating an airy and spacious feel. The fully upgraded kitchen is a showstopper, boasting a large island ideal for hosting guests, solid surface countertops, upgraded cabinets, a tiled backsplash, built-in oven, large gas cooktop with a stylish hood, and a spacious walk-in pantry. The open-plan family room and dining area flow seamlessly, overlooking the beautiful outdoor space. Downstairs, enjoy the 3-way split plan with three spacious bedrooms and two baths, along with a versatile and spacious bonus/flex room plus a private office space with double-door entry. The luxurious owner’s retreat features double-door entry, dual walk-in closets with California Closet organizers, and a spa-like en suite with a walk-in shower, garden tub, double vanity, and water closet. Upstairs, a large bonus room, private bedroom, and full bath create a perfect retreat for guests or family. The spacious lot is 70'x130' which offers ample back yard space is perfect for both playing and relaxing, featuring a large covered lanai, extended paver patio with a built-in firepit for cold weather fires and cooking smores. Additional highlights include a paver driveway and walkway, easy care wood-like tile planks, a well-lit three car garage with a sealed floor great for any projects you have, along with a tankless water heater, two HVAC systems with sanitizing UV lights, water conditioner, upgraded tile and listellos in every bath, and huge sliding doors for open, bright views. **There is even a great loan assumption opportunity at a low interest rate! Call for more details!** This home is move-in ready with a brand new roof in 2025, transferable home warranty good through March 2026 and a builder’s 2/10 warranty through March 2028. It has everything you could want, including one of the best locations in Brandon near restaurants, shopping, commuter routes, and beautiful Florida attractions and beaches. Don’t miss this opportunity for carefree, luxurious living! You'll want to put his home on your DEFINITELY MUST SEE LIST 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.
