Welcome to elegant coastal living in sought after Fiddler’s Creek. Located in the desirable Millbrook neighborhood, this beautifully furnished home features four bedrooms and three full baths with over 2000 sq ft of living space, this home is perfectly designed for both relaxation and entertaining. Step through the foyer with its tray ceiling and chandelier into a bright, open interior. Enjoy tile floors run throughout, complemented by crown molding and white plantation shutters. The living and dining areas feature custom tray ceilings and a striking stone-tile accent wall, along with an open concept main living area with sliding glass doors to the lanai. The kitchen is a open to the main space - highlights include white cabinetry with under-cabinet lighting, granite countertops, a tile backsplash, and a large three-seat island. Stainless-steel GE appliances — including a gas range, wall oven, microwave, French door refrigerator, and dishwasher — pair beautifully with a walk-in pantry and built-in desk area for added convenience. The owner’s suite offers a peaceful retreat with direct lanai access, a spacious walk-in closet, and an elegant bath featuring dual sinks with granite countertops, a walk-in shower with glass enclosure, and a separate soaking tub. Two guest bedrooms share well-appointed baths with granite vanities, while a fourth bedroom with French doors serves perfectly as a den, office, or media space. Step outside to a private oasis designed for year-round enjoyment. The screened lanai features brick pavers, a covered seating area with a cypress ceiling and recessed lighting, and a full outdoor kitchen with a built-in gas grill, hood, and mini refrigerator. A heated saltwater pool with a waterfall feature completes this relaxing retreat, all set against serene lake views. Additional highlights include a laundry room with custom cabinets, GE washer and dryer, and an epoxy-finished garage with utility sink. Recent upgrades enhance both comfort and efficiency — new interior and exterior paint, a 2023 tankless gas water heater, a 2023 HVAC system, and upgraded attic insulation. The home’s exterior also features a tile roof, impact-resistant doors and windows, and an extended paver driveway and walkway for added curb appeal. laundry tub and plenty of storage. Residents of Fiddler’s Creek enjoy access to world-class amenities, including a remodeled 54,000-square-foot Club & Spa with two on-site restaurants, resort-style pools, fitness center, tennis, pickleball, and bocce courts. Optional memberships are available for golf, beach, and boating. Ideally located just minutes from the white-sand beaches of Marco Island, downtown Naples, and an array of shopping and dining destinations. This home is the perfect blend of style, functionality, and resort living.
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.
