10623 Carena Cir, Fort Myers, FL 33913
2 beds · 2 baths · sqft sqft
Welcome home to your pet friendly, award winning, adult lifestyle (55+) living, gated community of Pelican Preserve Development - Carena Subdivision. The home sits on one of the largest lots in Carena subdivision with partial lake views too! Bimini model - open floor plan features include 2-bedrooms plus a large den (w/French doors) and 2-full baths, high 10' ceilings and 8' doors, crown molding, custom plantation shutters (including on sliding glass doors), tile on diagonal. Kitchen boasts upgraded shaker cabinetry, (Smart) stainless, appliances, gorgeous granite and backsplash, island w/breakfast bar and walk in pantry. Main bath features a glass enclosed shower and dual vanity, laundry with LG Smart W/D and laundry tub hookup, mud room. Vitex Smart Home system is installed/may be connected. The large 2-car garage is wired for cable. HVAC is Carrier 2015. Pest tubes in walls/service included in HOA fees. Screened lanai offers a sitting area under cover with an open sunning area including a hot tub, all with lake views (room for pool). HIGH AND DRY - Flood Zone X, lender does NOT REQUIRE FLOOD INSURNCE. Pelican Preserve active, friendly community amenities include a 27-hole golf course, town center, 3-pools (1-indoor), fitness center, spa, theater, 2-restaurants, woodworking shop, tennis, pickleball, nature preserve w/boardwalk, dog park, fishing pier. Pelican Preserve is famous for having a fabulous lifestyle and abundant activities to keep anyone as busy as they would like to be. View Virtual Tour!
Source: FORTMYERS #223087077
You may be able to put down less than the total down payment amount of $130,621 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Interest rate and monthly payment estimated based on public records.
Source: FORTMYERS #223087077
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #223087077
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.