UPGRADED CUSTOM HOME, ONE OWNER BUILT TO LAST... Set on 2.81 fully upland, fenced and gated acres in Golden Gate Estates, this 2019-built residence delivers the rare blend of space, privacy, and freedom that defines true acreage living in Naples, Florida. A long, palm-lined drive leads to a home where deer wander the lawn and there's no HOA to answer to. Inside, an open great-room layout connects the gas kitchen, formal dining, and family room beneath volume and tray ceilings, with large-format polished tile flooring, crown molding, and 8-foot doors throughout. In-ceiling surround sound fills the main living space with rich, immersive audio — perfect for movie nights or entertaining. Four bedrooms plus a versatile den — ideal as a home gym, office, or studio — offer flexibility for any lifestyle, while dual primary suites anchor the split floor plan for privacy. The 800-square-foot screened lanai is a standout, finished in travertine with LED accent lighting and room for full lounge and dining areas — an effortless extension of the living space under the Florida sky. This upgraded home is built to last: durable metal roof, whole-house propane with a 500-gallon underground tank, tankless water heater, 22KW generator with 200-amp transfer switch, impact glass, hurricane shutters, water softening, and an owned security system. The oversized garage adds even more storage and workspace. Minutes from Big Corkscrew Island Regional Park, Great Wolf Lodge, shopping, dining, and healthcare, with easy access to major roads and the Gulf beaches beyond. Experience modern living in Naples on your own slice of land.
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.
