Welcome to true luxury living in the heart of Lake Nona’s premier golf community—Eagle Creek. This exceptional 4-bedroom, 4-bathroom residence is located on Alderley Drive, a highly limited luxury enclave within the community where the builder constructed only a small number of upscale homes—distinct in scale, design, and finishes from the surrounding villages. Set on a rare 70-foot-wide lot (compared to the standard 50-foot lots throughout most of the community), this home offers enhanced privacy, expanded outdoor living, and a noticeably grander presence. From the moment you arrive, the architectural difference is evident with a wide luxury entry walkway, upgraded double front doors, and an impressive 12-foot-high covered entry porch—features not found in standard models. Inside, the home showcases elevated ceiling heights ranging from 10 to 12 feet, solid-core 8-foot interior doors, and custom 10-inch baseboards, creating a sense of volume and refinement that sets this residence apart from all other homes currently offered in the neighborhood. The bright open-concept layout is enhanced by fully opening living room sliding doors, seamlessly connecting the interior to the pool area and delivering a true indoor–outdoor living experience. The gourmet kitchen is a showstopper, featuring premium cabinetry, designer countertops, a striking backsplash, solid-wood shelving, stainless-steel appliances, dual convection ovens, a built-in cooktop, and an oversized center island—perfectly suited for entertaining at scale. The luxurious primary suite serves as a private retreat, complete with double barn doors, oversized spa-style shower, split vanities, and a custom walk-in closet with wall-to-wall upgraded shelving. Bathrooms throughout the home were designed with significantly larger shower and bath areas than standard community offerings, reinforcing the home’s luxury classification. Step outside to your private resort-style backyard oasis, featuring a saltwater pool with electric heater, travertine paver deck, professional tropical landscaping, and a fully fenced 70-foot-wide lot. The aluminum pergola with automatic rain sensors, outdoor movie theater, enhanced lighting, and resort-style outdoor kitchen create an entertainer’s paradise rarely matched within the community. Additional premium upgrades include a whole-house dehumidifier, medical-grade A/C filtration, 3M security film, extra attic insulation, designer pantry, smart-home thermostat and lighting, app-controlled pool and garage, and a state-of-the-art security system. The oversized 3-car tandem garage with acrylic flooring adds both function and sophistication. Living in Eagle Creek means enjoying a resort-caliber lifestyle with a championship golf course, clubhouse, restaurant, multiple pools, tennis courts, fitness center, playgrounds, walking paths, and the highly rated Eagle Creek Elementary School located within the gates. Convenient access to Medical City, Nemours, VA Hospital, Lake Nona Town Center, top dining, shopping, and Orlando International Airport completes the offering. Due to its lot size, ceiling heights, architectural scale, and premium construction, this home represents a distinct luxury tier within Eagle Creek and is not directly comparable to standard homes currently on the market. Homes of this caliber and design are rarely available.
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.
