Experience one of the most breathtaking views in Wildcat Run Golf & Country Club from this beautifully designed single-family home. Offering 3 bedrooms plus a dedicated home office/den—perfect for working remotely—this residence also features 3.5 bathrooms, a formal living room, formal dining room, a spacious leisure room, a breakfast area, and a 3-car garage. The home showcases spectacular, unobstructed golf course and lake views that create an exceptional backdrop for everyday living. Inside, you’ll find a variety of custom upgrades including impressive double wrought-iron front doors, a gourmet kitchen with stainless steel appliances, a Wolf cooktop, granite countertops in both the kitchen and bathrooms, and 42-inch custom cabinetry. The kitchen also features a convenient butler’s pantry complete with a built-in wine cooler—ideal for entertaining. Additional highlights include faux-finished tray ceilings, diagonal tile flooring, crown molding throughout, surround sound both indoors and outdoors, and a generator for added peace of mind. Step outside to an oversized natural stone tiled lanai where an in-ground pool and spa create the perfect setting for relaxation or hosting guests. From the lanai, enjoy sweeping views of the lake and golf course. Golf memberships are available, and residents enjoy access to the community’s renowned 18-hole Arnold Palmer Signature Golf Course. The community also offers Har-Tru tennis courts, bocce courts, pickleball courts, and a state-of-the-art fitness center with an on-site trainer. After a day of activities, residents can unwind at one of the community’s two exceptional restaurants, offering both casual dining and special-occasion experiences. Ideally located near Interstate 75 and Southwest Florida International Airport, the home provides easy access to premier shopping, diverse dining options, and the beautiful beaches of the Gulf of Mexico. The tranquil waters of Estero Bay are also just a short drive away, offering endless opportunities for boating, nature, and coastal relaxation.
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.
