Welcome to your dream home in the highly sought-after Reflection Lakes of Naples! Single level home offering a comfortable open living space in a tranquil, gated community setting. Freshly painted throughout and move in ready. Step inside this beautifully designed home featuring 3 spacious bedrooms, two full bathrooms, and an open-concept living area ideal for both entertaining and everyday living. The kitchen is a chef's delight featuring a breakfast area, granite countertops with counter seating, ample cabinetry and an open flow to the living room. The living room, bathed in natural light, opens seamlessly to a screened lanai where you can enjoy a private back yard with serene preserve views—a perfect backdrop for morning coffee or evening relaxation. *Virtual photo shows option to add pool. The master suite is a private retreat complete with two large walk-in closets and a spacious en-suite bathroom featuring dual vanities, separate shower and stand alone tub and private WC. Additional highlights include a two-car garage (also freshly painted from floor to ceiling, volume ceilings, a separate laundry room with washer/dryer included, and beautiful tile and wood look flooring throughout. This home offers the perfect balance of convenience and luxury, located just minutes from top-rated schools, shopping, dining, and the pristine beaches of Naples. \ Reflection Lakes of Naples is a vibrant and picturesque residential community located in the heart of Naples, Florida. Known for its scenic beauty and serene environment, this gated community offers an array of amenities and features that cater to diverse lifestyles. As part of the Reflection Lakes community, residents enjoy access to amenities such as a resort-style pool, clubhouse, fitness center, game room, library and so much more! Surrounded by lush landscape, beautiful lakes and nature preserves residents enjoy stuffing views and a tranquil atmosphere. Whether you are looking for a peaceful retreat or an active lifestyle, Reflection Lakes of Naples provides a welcoming environment for families, retirees, and everyone in between. A plethora of local activities surround, to name a few: Local Activities: 1.Naples White Sand Beaches 2.Naples Botanical Garden 3.Delnor-Wiggins Pass State Park 4.Everglades National Park 5.Kayaking Tours 6. East Naples Comm Park & Pickleball Cente 7.Clam Pass Park 8.The Naples Zoo at Caribbean Garden 9.Downtown Naples (5th Ave S / 3rd St. S) 10. Cambier Park Tennis Courts & Gardens. 11. Naples Botanical Gardens 12. Naples Pier(under construction) 13. Trolly / E-bike & segway tours 14. Paradise Cove Sporta Complex 15. Comedy Clubs 16. Everblades Hocky 17. Concert Venues **UPDATE** Brand new AC system installed 9/27/2025 *Some photos are virtually staged.
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.
