Welcome to luxury living in the prestigious GATED AND GUARDED community of Verdana Village in Estero, where 24/7 SECURITY meets RESORT-STYLE AMENITIES just outside your door. This stunning Trevi model offers 4 BEDROOMS, including TWO PRIVATE SUITES, and 3 FULL BATHS, making it ideal for everyday living, hosting guests, or MULTIGENERATIONAL LIVING. The home is BEAUTIFULLY FURNISHED with HIGH-END PIECES thoughtfully selected to reflect a COASTAL MODERN aesthetic. Clean lines, neutral tones, premium materials, and refined finishes create a space that feels both inviting and elevated. The OPEN-CONCEPT FLOOR PLAN features a spacious great room that flows seamlessly into a GOURMET KITCHEN with QUARTZ COUNTERTOPS, STAINLESS STEEL APPLIANCES, a large island, pantry, and elegant finishes. A dedicated dining area is perfect for both formal dinners and casual gatherings. The TWO OWNER SUITES serve as private retreats with SPA-LIKE BATHS, WALK-IN CLOSETS, and CUSTOM BUILT-IN ORGANIZATION. Enjoy EAST-FACING SUNRISE EXPOSURE with a PARTIAL LAKE VIEW, along with tile flooring throughout the main living areas for a clean, modern, and low-maintenance lifestyle. The additional bedrooms offer comfort and flexibility with plush carpeting. Verdana Village is one of SOUTHWEST FLORIDA’S PREMIER COMMUNITIES, complete with a DIRECTOR OF ACTIVITIES and a vibrant year-round social calendar. PHASE ONE WEST VILLAGE AMENITIES include a lap pool, community room, horseshoes, and activities field, along with a resort-style pool with cabanas. The MAIN AMENITY CAMPUS features a massive pool and spa, hot tub, STATE-OF-THE-ART FITNESS CENTER with movement studio and classes, INDOOR AND OUTDOOR TENNIS AND PICKLEBALL COURTS, bocce, INDOOR BASKETBALL COURT, playground, dog park, and more. Residents enjoy an ON-SITE RESTAURANT offering upscale dining, a craft beer lounge, outdoor bar, café, and ice cream parlor, all with poolside service and live music. Everyday convenience is just a short GOLF CART RIDE away at THE SHOPPES AT VERDANA VILLAGE, featuring Publix, Dunkin, UPS Store, nail salon, Italian restaurant, bank, and additional shops. All of this within a SECURE GATED COMMUNITY just minutes from shopping, dining, beaches, and I-75. This Trevi model includes a ONE-YEAR HOME WARRANTY for added peace of mind, covering major systems and appliances and providing protection from unexpected repair costs. The home is move-in ready to enjoy the full VERDANA VILLAGE RESORT LIFESTYLE. FURNITURE CONVEYS, excluding personal décor and turnkey items, allowing you to move in and personalize your space. Schedule your private showing today. STRAP 30-46-27-L2-0200B.4160
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.
