STUNNING MOVE-IN READY TAYLOR MORRISON HOME IN THE EXCLUSIVE GATED COMMUNITY OF GARDENIA GLEN AT CONNERTON! Welcome home to this beautifully appointed Craftsman-style residence located in the highly sought-after gated, low-maintenance community of Gardenia Glen within the award-winning Connerton master-planned community. Offering 4 bedrooms, 3.5 bathrooms, a spacious loft, formal dining room, and a 2-car garage, this exceptional home seamlessly blends elegant design with everyday comfort. From the moment you arrive, you'll be captivated by the inviting front porch and freshly painted exterior, creating outstanding curb appeal and a warm welcome. Step inside to discover soaring ceilings, abundant natural light, and tile flooring throughout the main living areas. Designed with both entertaining and functionality in mind, the formal dining room features custom lighting and decorative wainscoting, providing the perfect setting for holiday gatherings and special occasions. At the heart of the home is the impressive gourmet kitchen, showcasing built-in wall ovens, a gas cooktop, stainless steel range hood, dishwasher, oversized refrigerator, decorative glass subway tile backsplash, and not one, but two expansive center islands ideal for meal preparation, casual dining, and entertaining guests. The open-concept floor plan seamlessly connects the kitchen to the spacious grand room and casual dining area, creating an inviting space for everyday living. Sliding glass doors lead to the oversized 23.8' x 10' covered lanai overlooking a private backyard with no rear neighbors, offering the perfect opportunity to create your dream outdoor retreat. The luxurious first-floor owner's suite serves as a private sanctuary, complete with elegant bay windows, dual walk-in closets, and a spa-inspired ensuite bathroom featuring dual granite vanities, a relaxing soaking tub, and an oversized tiled walk-in shower with decorative accents. Additional thoughtful upgrades include a functional mudroom with built-in cabinetry, laundry tub, and a charming built-in dog bed with storage drawers underneath. A striking staircase with wrought-iron spindles leads to the second floor, where you'll find an open-to-below loft, two generously sized secondary bedrooms connected by a Jack-and-Jill bathroom, and a fourth bedroom featuring an oversized walk-in closet and private ensuite bath. Additional features include a water softener system, reclaimed water irrigation, and maintenance-friendly living within one of Connerton's most desirable gated neighborhoods. Residents enjoy access to Connerton's exceptional resort-style amenities, including a clubhouse, resort-style pool, splash park, state-of-the-art fitness center, scenic walking and biking trails, and multiple sports courts for basketball, tennis, and volleyball. The community continues to expand with a second clubhouse coming soon, featuring an additional resort-style pool, pump track, and six pickleball courts. This move-in-ready home offers the perfect combination of luxury, comfort, and an unparalleled Florida lifestyle.
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.
