Why wait to build when you can move right into The Winchester—an exceptional family residence designed for comfort, style, and modern living. Offering 2,775 square feet of thoughtfully planned space, this elegant two-story home features 4 bedrooms, 2.5 baths, and a layout that truly has something for everyone. Perfectly situated on a desirable corner homesite, this residence boasts a private, fully fenced backyard, providing both privacy and space for outdoor enjoyment. Upon entering the inviting foyer, you’re greeted by convenient access from the garage, a custom built-in desk, and a well-placed half bath. The open-concept design creates a seamless flow, ideal for both everyday living and effortless entertaining. The cozy yet refined great room flows seamlessly into the kitchen and casual dining area, which opens to a covered, screened-in lanai—perfect for relaxing and enjoying Florida living year-round. Low-maintenance ceramic tile flooring enhances the foyer, kitchen, flex room, upstairs laundry, and all bathrooms. The kitchen is a true highlight, featuring fingerprint-resistant stainless-steel appliances, a stylish backsplash, a deep single-basin scratch-resistant stainless-steel sink, garbage disposal, and quartz countertops. The oversized island makes it ideal for hosting and gathering. Upstairs, you’ll find a spacious loft and a desirable split-bedroom layout. A conveniently located laundry room offers dual access from both the primary closet and the hallway, making laundry day even more convenient. Three bedrooms are located to the right, two with walk-in closets. To the left, the private primary suite offers a generous walk-in closet and a spa-inspired en-suite bath complete with a soaking tub, separate shower, dual vanities, and a private water closet. All appliances and ceiling fans are included for added convenience. Beyond the impressive walls of the home, the community enhances your lifestyle with resort-style amenities, including a pool & splash park, clubhouse, coffee shop, fitness center, basketball courts, tennis courts, volleyball, nature trails, and playgrounds — all designed for your enjoyment. Schedule your private showing today and experience the elevated Connerton lifestyle firsthand.
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.
