Welcome home to serenity! This exceptional, meticulously upgraded residence showcases custom craftsmanship and high-end finishes at every turn. From the moment you step inside, you’ll be impressed by the soaring cathedral ceilings, custom wrought iron railings, and beautiful wood accents that add warmth and architectural character throughout the home. The first floor features designer tile flooring and a completely redesigned custom kitchen outfitted with top-of-the-line cabinetry, premium appliances, and upscale countertops, creating the perfect blend of elegance and functionality for everyday living and entertaining. Impact glass windows and sliding doors, along with electric rear blinds, provide both convenience and peace of mind while enhancing energy efficiency. The spacious first-floor primary suite is a private retreat with a walk-in closet and a luxurious, spa-inspired en-suite bath featuring dual sinks, a soaking tub, and a separate walk-in shower. A convenient half bath for guests and a well-appointed laundry room with built-in cabinetry complete the downstairs layout. Upstairs, you’ll find a large loft space—ideal as a media room, office, or easily converted 4th bedroom—plus two generous guest bedrooms and a beautifully remodeled full bathroom. No detail was overlooked in this true labor of love, where the owners spared no expense in upgrades and improvements. The home also boasts a rare 3-car garage with its own split A/C system, perfect for keeping vehicles, hobbies, or toys climate-controlled year-round. The lot offers plenty of back yard space to build the custom outdoor paradise you've always dreamed of! This one-of-a-kind home combines luxury, comfort, and thoughtful design—an incredible opportunity you won’t want to miss! Bella Terra amenities truly offer something for everyone! Enjoy a beautiful resort-style pool, state-of-the-art fitness center, and an impressive variety of recreation options including tennis and pickleball courts, sand volleyball, basketball, bocce ball, an in-line skating rink, and even a baseball field. Perfectly located just minutes from shopping, dining, the interstate, beaches, universities, and the airport — only about 20 minutes from baggage claim, making travel a breeze. Residents also love the active social calendar packed with events and activities each month, giving you the freedom to be as involved as you choose. With low association fees, outstanding amenities, and a vibrant lifestyle, it’s easy to see why Bella Terra remains one of the area’s most sought-after communities!
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.
