One or more photo(s) has been virtually staged. Stunning Haile Plantation pool home on a private .48 acre professionally landscaped corner lot, with 4 bedrooms, plus office, and an enclosed Florida Room, with 3 baths all under 2,800 SF. Bright, open floor plan with abundant natural light and room for everyone. Spacious living and family areas flow to a private screened lanai with newer screening and fenced backyard with a sparkling resurfaced pool and patio — perfect for Florida living and entertaining. The former living room offers an ideal home office or flex room, and the separate dining room has direct kitchen access for easy entertaining. The well-appointed kitchen has granite counters and stainless-steel appliances. Use the breakfast nook for casual meals; and if extra seating is needed, there is a convenient breakfast bar. The family room connects the primary wing/kitchen/nook area with the guest wings of the home. Featuring a wood-burning fireplace, it’s the center of the home. The primary suite has a 3-sided bay window overlooking the pool, lanai and fully fenced rear yard. Connecting with the en suite bath are the two walk-in closets. The primary bath features a whirlpool tub, dual sinks, a step-in shower, and a private water closet. Three additional bedrooms provide flexible space for guests or a home office. Use the enclosed Florida room for an additional flex room or home gym. In addition, there is a convenient laundry/mudroom, an attached 2C garage with overhead storage racks, and ample storage throughout. The free-form pool has been resurfaced, the lanai decking recently repainted, and the pool pump, timer and the bottom drain, skimmer and vacuum valves all replaced within the past 2 years. UPDATES include: recently installed blue-tooth enabled thermostat, guest toilets recently replaced, exterior repainted late 2025, most sprinkler heads replaced, and a 2022 gas WH. Located in the sought-after Haile Plantation subdivision, the Hawkstone Golf and CC Membership affords a clubhouse, an 18-hole Gary Player Golf Course, two pools, a fitness center, tennis and pickleball courts. This home has a near perfect walkability score with access to over 13 miles of paved sidewalks! Within walking distance is the Country Club; and in the opposite direction is the Haile Village Center, where you can enjoy dining at local restaurants, shopping, coffee, a park, a playground, and the Saturday Farmers Market. This home features classic charm with modern comfort, ready for its new owners.
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.
