9650 Bay Pine Ln
Orlando, FL 32832
4 beds · 2 baths · 2,025 sqft
$500,000
Get prequalifiedAbout this home
Welcome to 9650 Bay Pine Lane, a single-story, 4 bedroom/2 bath home within walking distance of Moss Park Elementary school. This home is located on a quiet street with a cul-de-sac in the golf-cart friendly community of North Shore at Lake Hart, just minutes from Lake Nona, Sunbridge, and major parks and attractions. Set on a lushly landscaped lot, shaded by mature oak trees, this home offers a peaceful retreat in a gated neighborhood just minutes from all that Orlando has to offer. With 2,025 square feet of living space, the interior boasts high ceilings and a thoughtfully designed split-bedroom floor plan that balances privacy and functionality. A formal living room and dining room provide elegant spaces for gatherings, while the open-concept kitchen and family room create a warm, inviting atmosphere for everyday living and entertaining. The privately located primary suite boasts a walk-in closet and spacious en-suite bath with a deep soaking tub. The sliding glass doors off the family room open to a covered rear porch, providing the perfect space for entertaining and enjoying Florida’s year-round outdoor lifestyle. Whether you are looking to spend the day relaxing under the sweeping oak trees or entertaining family and friends on this generous sized lot, this property is where memories are meant to be made. Residents of North Shore at Lake Hart enjoy access to an array of community amenities, including an 18-hole golf course, a large pool, basketball and tennis courts, a baseball field, a children's playground, a well-equipped fitness center, dog-park, and scenic parks and trails enhanced by charming street lighting. Outdoor enthusiasts will especially value the direct access to Lake Hart, a boatable 1,850-acre lake ideal for fishing, water sports, and hiking. The location is unbeatable, with Lake Nona’s Medical City, the USTA National Campus, Orlando International Airport, and major highways like the 417 and 528 all within easy reach—making commutes and travel to downtown Orlando, area attractions, or the coasts super convenient.
Source: STELLAR #O6321184
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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.
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