STUNNING OCALA RETREAT | Luxury Camden Model with In-Law Suite Discover resort-style living in this rare Brookhaven gem! Situated on a sprawling 1/3-acre lot, this impeccably maintained 4-bedroom, 3.5-bathroom residence (2,835 sq. ft.) is the ultimate blend of modern luxury and functional design. Built in 2021, this home bypasses the wait for new construction while offering thousands in premium upgrades. The Ultimate Multi-Gen Layout The highly sought-after Camden Model is designed for the modern family: • PRIVATE IN-LAW SUITE: A dedicated wing perfect for guests or extended family, ensuring everyone has their own space. • JACK-AND-JILL SUITE: Bedrooms 2 and 3 share a perfectly designed bath, ideal for children or a home office setup. • FLEXIBLE LIVING: Features two distinct living rooms, a formal dining area, and a bright breakfast nook for casual mornings. $30K+ in Recent Upgrades & Outdoor Bliss Step outside into your personal "Spa Backyard" sanctuary: • Gourmet Outdoor Living: Professional landscape lighting and a new $30k decorative stone path lead to a custom fire pit area. • Relaxation Ready: A gazebo-covered hot tub conveys with the home! • Year-Round Comfort: Enjoy the extended concrete patio with a retractable sunshade and total privacy provided by lush hedges and a fully irrigated lot. Premium Interior Touches • Chef’s Kitchen: Open-concept with solid surface counters, tray ceilings, and high-end appliances. • Primary Suite: Featuring a custom-built walk-in closet and high-volume ceilings. • High-End Finishes: Durable tile throughout main living areas, epoxy-finished garage floor, and upgraded designer lighting throughout. Location & Lifestyle Located in Ocala’s premier growth corridor: • Equestrian Access: Minutes from the World Equestrian Center (WEC) and local riding trails. • Convenience: Close to top-rated hospitals, West Port High School, and easy I-75/SR-200 access. • Community Perks: Gated Brookhaven entry with a resort-style pool, fitness center, dog park, and playground. Low HOA even includes 2x weekly trash removal! SPECIAL BUYER • Up to 2% Buyer Credit available—keep more money in your pocket at closing. This a rare 3-car garage estate with an in-law suite. Schedule your private showing today! • Year Built: 2021 • Garage: 3-Car Attached (Epoxy Floor) • Lot Size: 0.33 Acres (Irrigated) professional landscaped • Features: In-Law Suite, Hot Tub, Fire Pit, Gated Community
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.
