Nestled within the renowned gated community of Bella Collina, the Sorano is an exquisite 4-bedroom, 4.5-bathroom residence that perfectly blends luxury, elegance, and tranquility. This meticulously designed home showcases breathtaking panoramic views of the championship golf course designed by Nick Faldo, along with the picturesque rolling hills of Central Florida—creating a truly spectacular setting for refined living. Upon entering, you are welcomed by a grand two-story foyer that flows seamlessly into the expansive open-concept family room and gourmet kitchen. Soaring ceilings and abundant natural light create an airy and inviting atmosphere, ideal for both everyday living and elegant entertaining. The first-floor primary suite serves as a private retreat, featuring two spacious walk-in closets and sliding glass doors that open directly to the pool deck. The spa-inspired en suite bath offers dual vanities, a luxurious soaking tub, and a separate glass-enclosed shower—providing a serene sanctuary for relaxation. At the heart of the home, the state-of-the-art kitchen is designed to impress, boasting premium appliances, custom cabinetry, and an oversized island perfect for gathering and entertaining. Also located on the main level is a versatile second en suite bedroom that can easily function as a private home office or guest suite. A well-appointed laundry room and convenient access to the two-car garage enhance the home’s everyday functionality. Designed for exceptional indoor-outdoor living, the Sorano’s outdoor spaces are ideal for year-round enjoyment. A remote-controlled screened lanai encloses the resort-style pool and expansive pool deck, complemented by a fully equipped outdoor kitchen—perfect for hosting unforgettable gatherings. The covered patio, accessible from the primary suite, provides a peaceful setting to relax while taking in the stunning golf course views. Upstairs, an elegant staircase leads to a spacious loft offering flexible living space ideal for a media room, game room, or additional lounge area. Two additional en suite bedrooms provide comfort and privacy, with the rear bedroom featuring a private balcony overlooking the sparkling pool and lush fairways—a perfect place to unwind and enjoy the scenery. Located just moments from The Club at Bella Collina, residents enjoy access to world-class amenities including fine dining, a full-service spa, tennis courts, and a state-of-the-art fitness center. This exclusive gated community offers privacy, security, and a luxurious lifestyle in one of Central Florida’s most sought-after destinations. The Sorano at Bella Collina combines timeless architecture, modern convenience, and an exceptional location—offering the ultimate in luxury golf community living.
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.
