**Back on the market after the buyer was unable to obtain financing—no fault of the seller or the home!** Welcome to your private slice of paradise in Golden Gate Estates! Nestled on 1.14 acres of lush tropical landscape, this beautifully updated 4-bedroom, 3-bath residence embodies the perfect balance of serene country living and refined Naples elegance—just minutes from world-class dining, shopping, and white-sand beaches. Every major system has been thoughtfully updated for peace of mind — including a new roof, water heater, HVAC system, and complete plumbing replacement in 2021, as well as an upgraded electrical panel in 2010. Step inside to discover an inviting open layout with high vaulted ceilings, neutral designer tones, and vinyl flooring flowing throughout. The thoughtfully designed floor plan includes a converted ensuite bedroom, ideal for guests or multi-generational living. Natural light pours through expansive windows, creating a warm and welcoming ambiance in every room. The spacious kitchen seamlessly connects to the main living and dining areas, making it perfect for entertaining. Each bathroom has been tastefully updated, blending modern finishes with timeless appeal. Outdoors, the property offers an abundance of space to relax or expand—with ample room for a pool or even an extension to the home, thanks to the rear concrete pad reinforced with rebar. Mature palms and lush greenery enhance the sense of privacy, creating your own tropical retreat. Located in one of Naples’ most sought-after non-HOA areas, this property delivers the best of both worlds—peaceful estate living and proximity to the area’s most prestigious resorts, golf clubs, and coastal attractions. Whether you’re seeking your forever home or a private retreat close to it all, 3341 2nd Ave SE is a rare opportunity to experience the very best of the Naples lifestyle.
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.
