Step inside this home from anywhere! To experience a fully immersive walk-through of this home click on the Video or Virtual Tour button on this page. Welcome to your Florida oasis in the heart of Deltona Lakes! This beautifully maintained three-bedroom, two-bathroom pool home sits proudly on an expansive corner lot, offering a perfect balance of privacy, comfort, and outdoor living. Step inside and discover a bright, open-concept floor plan designed for easy living and entertaining. The spacious living area features abundant natural light, fresh flooring, and a seamless flow into the dining and kitchen spaces. The updated kitchen shines with a light, modern palette, newly installed tile flooring, ample cabinetry, and views overlooking the pool area—ideal for keeping an eye on guests or family while preparing meals. The thoughtfully designed split-bedroom layout ensures privacy for the primary suite, which boasts a large walk-in closet, an elegant ceiling fan, and a spa-inspired en suite bath with dual vanities and a walk-in tiled shower. The secondary bedrooms are generously sized—each with a walk-in closet—providing plenty of storage and flexibility for guests or family members. A versatile den or office space can easily serve as a fourth bedroom, home gym, or media room, depending on your needs. Step outside to your very own private resort-style retreat. The screened-in sparkling pool with solar heat, is the centerpiece of the backyard—perfect for year-round relaxation, weekend barbecues, or sunset swims. The spacious covered patio offers the ideal setting for outdoor dining and entertaining. The large shed provides excellent storage for tools, lawn equipment, or even a future workshop. Spacious laundry room featuring a built-in sink, abundant cabinetry, and generous counter space for folding and organization. Recent updates include brand-new flooring in the living areas, bedrooms, and primary bath, along with new kitchen tile, creating a cohesive and modern look throughout the home. Located in a highly sought-after area of Deltona, you’ll enjoy easy access to local shopping, dining, parks, and top-rated schools. Convenient proximity to I-4 makes commuting to Orlando, Sanford, or the beaches a breeze. As an added bonus, the current mortgage may be assumable with acceptable terms and qualifying credit—offering potential buyers a unique financing advantage. This home truly has it all: style, function, and a touch of Florida paradise. Don’t miss your chance to make this exceptional property your next home—schedule your private showing today!
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.
