RARE END UNIT | ONE OF THE LARGEST FLOOR PLANS IN VILLA MEDICI | UPDATED PRIMARY BATH | HUGE LOFT & BONUS ROOM! Opportunities like this don't come along often. This highly sought-after BRIZA model offers one of the largest layouts in the community and is a rare end-unit that provides additional privacy, abundant natural light, and exceptional living space. From the moment you enter, you'll appreciate the bright, open-concept design with soaring ceilings and an inviting living area that flows seamlessly into the dining room—perfect for entertaining or everyday living. Large windows fill the home with natural light, creating a warm and welcoming atmosphere throughout. The beautifully designed kitchen features new stainless steel appliances, generous cabinet and counter space, and a convenient breakfast bar, making it ideal for everything from casual breakfasts to hosting family gatherings. The spacious first-floor primary suite offers a peaceful retreat with a large walk-in closet and a completely updated spa-inspired bathroom featuring elegant quartz countertops, dual vanities, a soaking tub, and a stunning frameless glass walk-in shower. Step outside to your private screened lanai, the perfect place to enjoy your morning coffee or unwind after a long day. Upstairs is where this home truly shines. Unlike many townhomes in the community, this property features an expansive loft and an oversized bonus room—providing exceptional flexibility for a media room, game room, family room, home office, fitness space, children's playroom, or even a potential fourth bedroom. Two generously sized guest bedrooms and a full bathroom complete the second floor. Villa Medici residents enjoy resort-style amenities including a community pool, fitness center, cable, water, and beautifully maintained grounds. Ideally located in the heart of Fort Myers, you're just minutes from shopping, restaurants, medical facilities, entertainment, and the beautiful Gulf beaches. Schedule your private showing today before this exceptional opportunity is gone!
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.
