Comfort, style, and active living await in this ONE-OF-A-KIND Stetson model in the gated 55+ Stone Creek Golf Course Community, known for its exceptional resort-style amenities. Located on a quiet street, this 2-bedroom, 2-bath home with a bonus flex room is ideal for those seeking an easy, enjoyable lifestyle, with 1,596 square feet of interior living space, and an additional 290 square feet on the heated and cooled lanai. The enclosed lanai features hurricane-rated glass and a Fujitsu mini split, creating a welcoming year-round retreat where you can relax, unwind, and take in the peaceful garden views. Just beyond, a large, paver-lined outdoor patio offers the perfect setting for casual gatherings or quiet afternoons outdoors. The spacious interior offers versatile living areas highlighted by crown molding throughout, beadboard accents in the dining room, and glass-inset French doors that open to the flex room with plantation shutters, creating an ideal spot for a home office or den. Natural light fills the home through the expansive glass sliders in the gathering room and is complemented by recessed LED downlighting in the kitchen. The well-equipped kitchen features stainless steel appliances, a decorative tiled backsplash, Corian countertops, and a convenient pantry to keep everything organized. The owner’s suite offers ample space for relaxation, with French doors that open to the en suite bathroom, featuring a double-sink vanity, a step-in shower with a transom window that lets in abundant natural light, and a large walk-in closet. The guest bath includes a newer comfort height, water-efficient toilet for added ease, and is enhanced by solar tube lighting. More fantastic features include an inside laundry room with an additional hookup in the two-car garage, a newer sliding garage screen door that allows fresh air to flow through, a recently replaced HVAC system (2025), and a never-used security system for added peace of mind. Embrace the exceptional lifestyle of this vibrant community, featuring a 24/7 staffed gated entrance for security and peace of mind. Luxury-inspired amenities include heated pools, a state-of-the-art fitness center, a spa, and relaxing hot tubs and saunas. Stay active with pickleball, bocce, tennis, and a softball field, while a dedicated lifestyle staff curates entertainment, activities, and special events to foster connections. Just beyond the gates, enjoy a golf course, pro shop, and restaurant—perfect for socializing and unwinding. Make your move today and experience resort-style living at its finest!
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.
