PERFECTION! Live your best life in Trilogy Orlando in this thoughtfully designed, energy-efficient home offering breathtaking views and seamless indoor-outdoor living. Professionally landscaped with decorative stone accents, this light and bright residence features crown molding, tray ceilings, premium flooring throughout—including the private guest living area, guest bedroom, and primary suite—along with custom plantation shutters and dimmable Bluetooth-enabled lighting. The WOW kitchen features a built-in double oven, a 5-burner natural-gas cooktop, a Monogram hood, a farmhouse sink, an oversized island with upgraded granite, and two pantries, including a walk-in with custom built-ins. A unique private guest or multigenerational suite with separate entry adds flexibility, while high-end built-in closets provide exceptional storage. Expansive Andersen impact glass doors open to an approximately 1,200 SF screened outdoor retreat with a hot tub and stunning views. Energy and comfort upgrades include a Sun Vina solar system, a water softener with a high-pressure recirculation pump, enhanced air purification within the HVAC system, Andersen Low-E windows, natural gas service with an electric dryer, a Generac generator, and security cameras. The garage is also upgraded with ceiling-mounted circulation fans, additional outlets for larger appliances, overhead storage, and a utility sink. Enjoy resort-style living in guard-gated Trilogy Orlando with access to the Magnolia House clubhouse, indoor and outdoor pools and spa, fitness and wellness programs, pickleball, tennis, walking trails, dining venues, social clubs, and a full-time lifestyle team, with HOA covering lawn care, irrigation, internet, cable, alarm monitoring, and community maintenance—no additional club dues required. Community Perks: This guard-gated, resort-style community offers more than just home, it delivers a lifestyle! The HOA covers cable, high-speed internet, security monitoring, and landscaping/ lawn care so you can focus on enjoying your time. At the heart of it all is the spectacular 57,000 sq ft Magnolia House, where you’ll enjoy Member-exclusive restaurant and bar with live entertainment. Indoor/outdoor heated pools & a state-of-the-art athletic club Artisan studio, poker room, culinary kitchen, and creative spaces. Sports courts for tennis, pickleball, bocce, billiards & virtual golf,50+ active, member-led clubs for every hobby and interest. A show-stopping Event Center with a stage and professional AV setup. This isn’t just a home, it’s a lifestyle upgrade where you’ll find connection, wellness, excitement, and belonging every day. Conveniently located 45 minutes to Theme Parks, including Universal and Disney World, and Orlando International Airport, 1 ½ hours to Beaches and Port Canaveral Cruise Terminal. This isn’t just a home — it’s a lifestyle upgrade. Live your BEST LIFE at Trilogy!
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.
