**Better Than New: Custom Upgrades Meet Timeless Elegance!** Welcome to 925 Fieldstone Way, where luxury meets peace of mind in the highly sought-after Haines Ridge community. Built in 2023, this Maronda Homes "The Venice" model is part of the premium Renaissance Series, featuring an upgraded exterior elevation that provides classic curb appeal and stands out from the crowd. Step through the 8-foot entryway into a world of **premium** upgrades. The expansive 2,684 sq ft open-concept layout is anchored by tray ceilings, crown molding, and upgraded lighting that flows seamlessly through the main living areas. **THE CHEF’S KITCHEN:** Designed for both daily life and grand entertaining, this kitchen is a masterpiece. It features a massive granite island with integrated power, custom soft-close cabinetry, and a high-end Samsung appliance suite—including **double ovens**, a 5-burner flat cooktop, and deep dual-sided sinks. **THE PRIMARY RETREAT:** Your private sanctuary awaits with tray ceilings and a spa-inspired bath featuring a massive walk-in shower with a **triple-showerhead configuration** (including a rain head), a built-in seat, and a ledge. The massive walk-in closet has been fully customized by *Closets by Design*, featuring a lifetime warranty on the high-end shelving system. **FLEXIBILITY & SPACE:** Beyond the 4 spacious bedrooms and 3 full baths, you’ll find a dedicated Library/Flex room with elegant double doors—perfect for a home office, media room, or guest suite. **ADDITIONAL FEATURES:** - **Massive Laundry Room:** An oversized dedicated space that makes chores a breeze with extra room for storage or organization. - 3-Car Garage for ample storage or a workshop. - Large 0.23-acre lot with a screened-in patio for bug-free Florida evenings. - Energy-efficient Nest thermostat and Ring doorbell for modern security. - Granite countertops in every bathroom. Tucked away in a quiet neighborhood with a low $690/year HOA and NO CDD fees, this is a meticulously upgraded home designed for those who refuse to **settle** on quality. **Schedule your private tour today and see why this Renaissance Series home is in a class of its own!**
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.
