Buy your dream home in Florida and secure an incredibly low mortgage rate as low as 3%
Lock in yesterday’s low rates, before they’re gone.
CLICK BELOW TO WATCH FIRST!
3 beds
2 baths
1,649 SqFt
$529,900
Did you know there’s a way to lock in yesterday’s mortgage rates today?
Here’s how assumable mortgages work:
You take over the seller’s existing low-rate loan (often 2.5–3.5%)
You use your cash to cover the price difference or take a second loan.
You instantly save hundreds on monthly payments.
This stunning home offers a rare blend of modern elegance and serene surroundings.
New Roof that will be ready before the closing date
and paid at closing.
Fully Renovated Home on a Conservation Lot
Zoned for A-rated schools
Located in a Gated Golf Community with several amenities.
How We Help You Save Big
But the reality is …
1) Most buyers don’t know how this works
2) Most realtors don’t know how to find these deals… let alone navigate the whole process.
That’s exactly where our team comes in:
At Top Florida Homes, our team specializes in identifying homes eligible for these mortgages.
We’ll guide you smoothly through the entire process.
Your cash down payment will secure the best possible rate, often much lower than today’s market rates.
owner of Top Florida Homes
About Gisele Kolbrich!
With a genuine passion for turning dreams into addresses, Gisele Kolbrich is one of the most respected real estate professionals in the Florida market. As the founder of Top Florida Homes, she combines strategic vision, deep local knowledge, and personalized service to deliver a truly unique real estate experience — whether for those looking to invest or find a new home.
Throughout her career, Gisele has earned numerous elite certifications in the field, reflecting her continuous pursuit of excellence:
CRS, CLHMS, PSA, SFR, MRP, AHWD, SRS, BPOR, e-PRO, RENE, SRES, C2EX, ABR, REBAC, RETS — credentials that attest to her expertise in luxury real estate, military relocation, real estate marketing, strategic negotiation, and international buyer representation.
More than a realtor, Gisele is a trusted advisor, guiding each client with transparency, integrity, and proven results. Her modern and innovative approach — combining technology, digital marketing, and a human touch — has positioned Top Florida Homes as a benchmark in Florida’s real estate market.
“I believe every home tells a story — and my purpose is to help my clients write the next chapter of their lives with confidence, clarity, and success.”
About Us
In the heart of Florida’s vibrant real estate market, Top Florida Homes stands out as a beacon of expertise and personalized service. Founded by Gisele and Philip Kolbrich in 2021, this boutique brokerage quickly established itself as one of the most respected firms in Florida’s real estate industry.
Frequently Asked Questions
What is an assumable mortgage?
An assumable mortgage allows a homebuyer to take over the current mortgage from the seller, keeping the same interest rate, loan balance, and remaining term. This can lead to significant savings, especially when current market interest rates are higher.
Why is this so beneficial right now?
Because many homes purchased between 2020 and 2022 have interest rates as low as 2.5% to 3.5%. Today’s rates are around 6.5% or higher — meaning a buyer can save thousands simply by assuming an existing loan instead of getting a new one.
What if the buyer doesn’t have the cash to cover the difference in price?
Good news — they don’t need to! With as little as 5% down, the buyer can obtain a second loan to cover the gap between the home’s sale price and the remaining balance of the assumable mortgage. This way, they still benefit from the low interest rate on the majority of the loan.
Do agents need special training for this?
Yes — and that’s why our agents are fully trained to manage the assumable mortgage process. We know how to prepare the contracts, disclosures, and work with lenders to ensure everything is done smoothly and correctly.
Where can agents find homes with assumable mortgages?
Agents can search on WithRoam.com, using filters like interest rate, down payment amount, and loan type (FHA, VA, or USDA).
🔹 Pro tip: VA loans can even be assumed for investment properties if the seller agrees.
Use the “Use Second Lien” filter when your buyer will need a second mortgage. If they’re paying the full difference in cash, leave that filter unchecked to see properties that fit their budget without needing additional financing.
Ready to leverage your down payment to lock in a low mortgage rate and save significantly?
14750 Hartford Run Dr, Orlando, FL
Office:
12950 Tanja King Blvd, Orlando
Site:
topfloridahomes.com