THIS OPPORTUNITY WON’T LAST — ASSUMABLE $340,000 LOAN AT AN INCREDIBLE 2.38%! Welcome to this stunning Stardom model with a screened-in pool in Del Webb Stone Creek, where luxury, comfort, and effortless indoor-outdoor living come together to create the ultimate resort-style retreat. From the moment you arrive, the upgraded stone elevation, paver driveway and walkway, and charming front screened porch set the tone for what’s inside. Step through the elegant 8' glass-inset front door into a bright, inviting foyer featuring rounded drywall corners, crown molding, and upgraded 8' Cheyenne doors throughout. To your left, the enclosed flex room with luxury vinyl flooring offers the perfect space for a home office, den, or hobby room. Nearby, a conveniently located half bath provides ease for guests. Continue into the heart of the home, where the open-concept design seamlessly blends the gourmet kitchen, dining area, and living room—perfect for both everyday living and entertaining. Custom shiplap accent walls and designer pendant lighting add warmth, texture, and a high-end feel throughout the space. The gourmet kitchen is truly a showpiece, featuring striking two-tone cabinetry with 42" upgraded cabinets, crown molding, soft-close doors, pull-outs, and sleek quartz countertops. A vented hood, built-in stainless steel appliances, and stylish lighting complete this chef-inspired space. The living room is filled with natural light and opens effortlessly through pocketing sliding glass doors to your private outdoor oasis. Here, the screened-in pool with birdcage enclosure creates a serene, bug-free retreat—perfect for relaxing or entertaining while enjoying Florida living year-round. Both bedrooms serve as private ensuite retreats. The primary suite offers a spa-like bathroom with a beautifully tiled walk-in shower and elegant finishes, while the guest suite features its own bathroom with a tub and tiled shower—ideal for visitors. Additional upgrades include a well-equipped laundry room with cabinets and a utility sink, an extended 3-car garage, hybrid water heater, water softener, and 28 solar panels—delivering the perfect blend of luxury and energy efficiency. This is more than a home—it’s a lifestyle. Don’t miss your chance to make it yours.
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.
