RARELY AVAILABLE and BEAUTIFULLY UPGRADED, this MOVE-IN READY villa in ORANGE BLOSSOM RANCH offers the perfect combination of LOW-MAINTENANCE living, RESORT-STYLE AMENITIES, and one of the most desirable floor plans in the community. Featuring 2 BEDROOMS PLUS A DEN, 2 FULL BATHROOMS, and over 1,500 square feet of thoughtfully designed living space, this home lives much larger than its footprint and offers the flexibility today’s buyers are searching for. Step inside and you’ll immediately appreciate the OPEN CONCEPT layout, abundant natural light, and CUSTOM TOUCHES throughout. Elegant CROWN MOLDING enhances the main living areas and primary suite, creating a clean, upscale feel. The spacious den provides endless possibilities and is perfect for a HOME OFFICE, MEDIA ROOM, PLAYROOM, or additional guest space. The PRIMARY SUITE is a true retreat featuring a BEAUTIFULLY REMODELED CUSTOM SHOWER that feels straight out of a luxury spa. Every detail has been carefully maintained, allowing the next owner to move right in and begin enjoying the Southwest Florida lifestyle from day one. One of the standout features of this home is the EXTENDED SCREENED LANAI, providing additional outdoor living space that’s perfect for morning coffee, entertaining friends, or simply relaxing and enjoying Florida’s incredible weather year-round. Living in ORANGE BLOSSOM RANCH means enjoying some of the BEST AMENITIES IN NAPLES, including TWO RESORT-STYLE POOLS, a stunning clubhouse, a RECENTLY RENOVATED FITNESS CENTER, tennis courts, PICKLEBALL COURTS, basketball courts, bocce ball, playgrounds, parks, and an active community lifestyle that residents love. Located within a TOP-RATED SCHOOL DISTRICT and just a short drive to shopping, dining, golf, and everything that makes Naples one of the most sought-after destinations in Florida. Whether you’re searching for a FULL-TIME RESIDENCE, WINTER RETREAT, or INVESTMENT OPPORTUNITY, this exceptional villa offers the LOCATION, VALUE, and LIFESTYLE that buyers are looking for. Opportunities like this in ORANGE BLOSSOM RANCH don’t last long.
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.
