OVER $130,000 IN UPGRADES! FULLY REMODELED! PAID-OFF SOLAR! NEW ROOF! This exceptional 3-bedroom, 2-bath pool home with a bonus room offers the rare opportunity to own a move-in-ready property where the major systems have already been updated. Major improvements include a new roof (2023), fully paid-off solar panel system (2023), high-efficiency A/C system (2023), new ductwork, insulation and vents, premium appliances, new front double doors, modern lighting fixtures, new fencing, whole-house water softener, reverse osmosis drinking water system, pressure control system, security cameras, monitored alarm system, solar pool heater, and much more. Complete list of upgrades available in attachments. This is not a flip. Every improvement was carefully selected for long-term durability, comfort, energy efficiency, and peace of mind. Simply move in and enjoy years of worry-free ownership. WELCOME HOME! This beautifully remodeled 3-bedroom, 2-bath pool home with a bonus room offers the perfect combination of luxury, efficiency, privacy, and location. Situated on a desirable corner lot with only one neighboring home and breathtaking conservation views, this property provides a peaceful retreat while remaining close to top-rated schools, restaurants, shopping, parks, and entertainment. Step inside and fall in love with the bright open-concept floor plan, soaring ceilings, luxury vinyl flooring throughout, fresh interior and exterior paint, quartz countertops, and high-end finishes. The spacious living areas flow seamlessly into the screened lanai, creating the perfect indoor-outdoor lifestyle Florida is known for. The backyard is truly a private oasis featuring a sparkling screened-in pool with built-in spa, solar pool heater, newly painted pool deck, and serene nature views with no rear neighbors. Whether enjoying your morning coffee, entertaining guests, or relaxing after a long day, this outdoor space is simply unforgettable. Priced to sell and offering exceptional value, this one-of-a-kind home is the complete package. Schedule your private showing today before this incredible opportunity is gone!
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.
