Welcome to Hampton Lakes at River Hall. This stunning lake front Oasis model built by Pulte Homes in 2018 offers one of the best layouts in the community. With 3 bedrooms + den, 2 bathrooms, over 2,100 square feet of living space, and a bright & open floor plan, this home lives very comfortably. Builder upgrades throughout include 20”x20” diagonally laid tile through the living space, quartz countertops, 42” tall upper cabinets, pull out drawers in the base kitchen cabinets, Whirlpool stainless steel appliances, 8’ tall doors throughout, laundry room cabinets & sink, tray ceilings, dual sinks, soaking tub, and a walk-in shower in the master bathroom, and so much more. Owner upgrades include brand new paint throughout (2025), high end window treatments with automatic blind for the sliding glass door, an extended and screened in lanai area, a fenced in backyard, glass shower enclosures in both bathrooms, a large and stylish barn door for the den, and an upgraded washer & dryer. Situated on a great NW exposed lot with stunning lake views you’ll enjoy daily sunsets without the blaring direct evening sun. This home offers access to the amazing amenities at the Town Hall community center which include an expansive resort style pool, pickleball, tennis, a large fitness center, bocce, a hobby room, game room, and a fenced playground. With LOW HOA fees and all this community has to offer, Hampton Lakes is perfect for families and seasonal residents alike. The community is conveniently located just minutes from River Hall Elementary School, I-75, RSW International Airport, tons of shopping, dining, entertainment, golf courses, waterfront marinas, and downtown Fort Myers & the river district. Very well kept and move in ready this home is one of the best offerings on the market today.
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.
