Nestled within the renowned gated community of Bella Collina, the Sorano is an exquisite 4-bedroom, 4½-bathroom residence that epitomizes luxury and serenity. This meticulously crafted home offers breathtaking panoramic views of the Nick Faldo-designed championship golf course and the picturesque rolling hills of Central Florida, creating an idyllic backdrop for refined living. Upon entering, you're greeted by a grand two-story foyer that seamlessly flows into the expansive open-concept family room and gourmet kitchen. The first-floor master suite is a private sanctuary, featuring two spacious walk-in closets and sliding glass doors that open to the pool deck. The spa-inspired en suite bathroom offers dual vanities, a luxurious soaking tub, and a separate glass-enclosed shower, providing a serene escape for homeowners. The airy design, accentuated by soaring ceilings and abundant natural light, creates an inviting atmosphere perfect for both relaxation and entertaining. The state-of-the-art kitchen boasts premium appliances, custom cabinetry, and a generous island, making it a chef’s delight and the heart of the home. Also on the main level, a versatile second en suite bedroom doubles as a great home office, ideal for remote work or guests. A well-appointed laundry room and a convenient two-car garage entrance enhance the home’s functionality. The garage opens directly into the foyer, ensuring effortless access. The Sorano’s outdoor living spaces are designed for year-round enjoyment. A remote-controlled screened lanai encloses a resort-style pool deck and a fully equipped outdoor kitchen, ideal for hosting unforgettable gatherings with family and friends. The covered patio, accessible from the master suite, provides a tranquil setting to soak in the stunning views. Ascend the elegant staircase to the second-story loft, a flexible space perfect for a media room, play area, or cozy lounge. Two additional en suite bedrooms give you comfort and privacy, with the rear bedroom featuring a private balcony overlooking the sparkling pool and lush golf course—a perfect spot to unwind. Located moments from The Club at Bella Collina, residents enjoy access to world-class amenities, including fine dining, a luxurious spa, tennis courts, and a fitness center. The gated community ensures privacy and security, offering an exclusive lifestyle in one of Central Florida’s most sought-after enclaves. The Sorano at Bella Collina combines meticulous design, modern conveniences, and an unrivaled location, making it the epitome of private community living. Don’t miss the opportunity to own this exceptional golf course home.
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.
