Offered for the first time on the resale market, this residence enjoys one of the most coveted addresses in the Isles—on a friendly cul-de-sac, with no through traffic and just a short distance from the clubhouse. From the moment you step inside, serene water views unfold from multiple rooms, drawing your eye to the custom saltwater pool, lush landscaping, and the soft morning colors that rise over the lake. This is everyday living that feels like a vacation. The light-filled Pimento floor plan offers the perfect backdrop for gatherings, with open living, dining, and kitchen spaces framed by high ceilings and beautiful architectural details. Upgrades include double tray ceilings, recessed LED lighting, crown molding, and custom plantation shutters. The impressive 10-foot kitchen island invites everyone to gather—because no matter how beautiful the home, everyone always ends up in the kitchen. The primary suite is a calming retreat, featuring lake views, generous space for a king bed and sitting area, two walk-in closets, and a spa-style bath with dual vanities, expansive mirrors, a Euro-glass walk-in shower, a soaking tub, and a private water closet. The home's split-bedroom design and a versatile flex/den space provide comfort and privacy for family and guests. Thoughtfully maintained and recently painted, the home features new luxury vinyl plank flooring in the bedrooms, new LED lighting, modern ceiling fans, updated vanity lights, and coastal-style chandeliers. Behind the scenes, practical enhancements add comfort and peace of mind—including electric Storm Smart shutters that protect the covered lanai, a whole-house generator, ADT security system, and a Culligan water filtration system. The oversized laundry room is a pleasant surprise, doubling as a walk-in pantry or coffee bar and connecting directly to the 3-car garage. As a resident in one of Naples' most desirable active lifestyle communities, you will enjoy over 1,300 acres dedicated to natural habitat and preserve areas connected by trails, bike paths, and waterways. Anchored by a beautiful clubhouse inspired by the charm of the historic Naples Beach Hotel, you will have access to a state-of-the-art fitness center, tennis and pickleball courts, bocce ball, luxurious resort pool, lap pool, outdoor spa, and the private Overlook Bar and Grill Restaurant. All of this is just minutes from the downtown historic district and Fifth Avenue, where you can indulge in world-class dining, boutique shopping, and the breathtaking beaches of Naples. From the Isles back gate, you can walk to the US Open championship pickleball courts. Just a few minutes further will bring you to the Hamilton Harbor marina and boat launch on Naples Bay or Centennial Park. It just doesn't get any better than this!
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.
