Experience the very best of Waterview living — refined elegance, thoughtful updates, and an unbeatable value after a $45,000 price improvement. This stunning 3,986 sq. ft. residence sits proudly on a prime corner lot overlooking the golf course, combining luxury, comfort, and entertainment in perfect harmony. Step inside to discover gleaming hardwood floors, crown molding, and plantation shutters throughout. The formal dining room sets the stage for elegant gatherings, while the open-concept kitchen impresses with granite countertops, a large walk-in pantry, LED lighting, and a breakfast bar flowing seamlessly into the spacious living area — perfect for both everyday living and hosting in style. The private backyard retreat is truly an oasis, featuring a sparkling swimming pool, built-in spa, and breathtaking golf course views. Enjoy the convenience of being within walking distance to the Waterview clubhouse, where resort-style amenities await — including golf, a waterpark, tennis courts, trails, and stocked fishing ponds. The luxurious primary suite offers a serene escape with a spa-inspired bath and an expansive walk-in closet. Upstairs, a game room and an oversized media room (complete with projector) provide endless entertainment possibilities. Notable updates include recently refinished wood floors, new kitchen appliances, HVAC units under 3 years old, new pool plaster, and upgraded 60oz carpet upstairs. Schedule your private tour today before this exceptional 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.
