Welcome home to this charming 3-bedroom, 2-bath, almost 1,500 sq. ft. gem in the highly desirable community of Harrison Ranch—a true blend of comfort, convenience, and lifestyle. This beautifully maintained, move-in ready home has been lovingly cared for by its original owner and offers incredible value with low HOA fees and modest CDD costs. Step inside and instantly feel the warmth of solid wood flooring throughout—no carpet anywhere—paired with a light, inviting layout designed for easy living. Major updates give added peace of mind, including a newer roof, newer A/C, and hurricane shutters. One of the most impressive features of this home is the expansive post-build patio addition, creating a huge bonus space that’s perfect for hosting family gatherings, game nights, celebrations, or simply spreading out and relaxing. It’s the ultimate spot for entertaining! Outdoor lovers will appreciate being just steps from a scenic walking-trail entrance where residents enjoy peaceful strolls shaded by ancient oaks, watching birds and wildlife, and taking in serene pond views. Life in Harrison Ranch is all about community. Residents enjoy access to a 6,500 sq. ft. amenity center, a heated/cooled Jr. Olympic swimming pool, 24-hour fitness center, basketball court, lighted tennis and pickleball courts, multi-purpose sports field, two playgrounds, BBQ pavilion, and 5.5+ miles of gorgeous nature trails. Conveniently located near US-301 and I-75, you're just a short drive to Sarasota, Bradenton, Tampa, and St. Petersburg. The area continues to grow with two new hospitals and several new private and public schools planned. Plus, the world-famous beaches of Anna Maria Island, Siesta Key, and St. Pete are all within easy reach—perfect for weekend fun or hosting out-of-town guests. Access to TPA, PIE, and SRQ airports makes travel simple and convenient. This home offers the ideal blend of cozy living, wonderful community amenities, and a prime Parrish location. Don’t miss your chance to own a property that lives large, feels welcoming, and is ready for you to make it your own.
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.
