Lakefront pool home with 3-car garage in Isles of Collier Preserve! Located on a quiet cul-de-sac just minutes from Old Naples and Fifth Avenue South, this beautifully maintained Pimento model offers serene water views, a heated resort-style saltwater pool, and an expansive lanai with enhanced picture-frame enclosure overlooking lush tropical landscaping. This light-filled residence is designed for the ultimate Southwest Florida lifestyle where indoor and outdoor living blend seamlessly. Imagine relaxing poolside each morning as the sun rises over the lake, creating a peaceful setting that truly feels like living at a private resort. The popular Pimento floor plan provides spacious open living areas where friends and family naturally gather. High ceilings, double tray ceilings, crown molding, recessed LED lighting, plantation shutters, and warm designer tones create a sophisticated yet welcoming atmosphere. The kitchen serves as the heart of the home with expresso colored cabinetry, granite countertops, a large center island perfect for entertaining, and newer refrigerator, washer, and dryer. As with many great homes, everyone eventually gathers in the kitchen. The primary suite overlooking the lake offers a relaxing retreat with room for a sitting area, two walk-in closets, and a spa-inspired bathroom featuring dual vanities, expansive mirrors, soaking tub, Euro-glass walk-in shower, and private water closet. A split-bedroom floor plan provides privacy for guests, while the spacious den is ideal for a home office, library, or additional guest space. Thoughtfully maintained and updated, the home features new luxury vinyl plank flooring in the bedrooms, fresh interior paint, modern ceiling fans, updated lighting, and coastal-inspired chandeliers. Additional upgrades provide comfort and peace of mind including A generator, electric Storm Smart protection for the covered lanai and sliding doors, ADT security system, Culligan whole-house water filtration system, oversized laundry room that doubles as a walk-in pantry and coffee bar, and a spacious 3-car garage. Residents of Isles of Collier Preserve enjoy over 1,300 acres of protected natural habitat, over 8 miles of scenic walking and biking trails, and waterways that showcase the beauty of Southwest Florida. The community clubhouse—designed with inspiration from the historic Naples Beach Hotel—offers a state-of-the-art fitness center, resort pool, lap pool, outdoor spa, tennis courts, pickleball courts, bocce ball, and the popular Overlook Bar & Grill restaurant. Located only 10 minutes from Old Naples, residents enjoy easy access to Fifth Avenue South, world-class dining, boutique shopping, art galleries, cultural events, Naples Bay, and the Gulf’s famous white-sand beaches. This exceptional Naples lakefront pool home with a 3-car garage in Isles of Collier Preserve offers luxury living, privacy, and the vibrant Southwest Florida lifestyle buyers dream about.
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.
