2317 Bella Luna Cir
Lakeland, FL 33810
4 beds · 3 baths · 2,592 sqft
$399,000
Get prequalified2317 Bella Luna Cir
Lakeland, FL 33810
4 beds · 3 baths · 2,592 sqft
$399,000
Get prequalifiedWelcome to resort-style living at the right price. This move-in ready, turnkey 4-bedroom, 2.5-bath home is located in a desirable gated community in North Lakeland. Enjoy a range of amenities including a community pool, hot tub, fitness center, and more. The HOA covers cable, internet, and access to all community features. Situated on a quiet street, this home offers a 2-car garage, screened back porch, and fully fenced yard — perfect for relaxing or entertaining. Inside, you’ll love the open layout and spacious upstairs flex area, ideal for a second living room, game room, or home office. Seller Incentive: Up to $10,000 in Buyer Savings! For a limited time, the seller is offering up to $10,000 that can be applied to reduce your monthly mortgage payment or out-of-pocket closing costs — your choice. Ask your lender or agent for a personalized scenario. Don’t miss this opportunity to own a beautiful home with resort-style amenities in one of North Lakeland’s most sought-after neighborhoods.
Source: STELLAR #L4953042
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.