Escape to 6135 Calusa Ridge Trail, a stunning sanctuary nestled in the heart of Pine Island. Imagine waking up to the sight of bald eagles and ospreys soaring over the serene lake behind your home, with a protected Gopher Tortoise Preserve ensuring your tranquil view is forever unspoiled. This is more than a home; it's a lifestyle, offering unparalleled quality, security, and elegance on a nearly 1-acre lot in the exclusive gated community of Calusa Ridge. Step inside this 3,032 sq. ft. masterpiece and be greeted by an open-concept design that perfectly blends sophisticated details with a relaxed coastal feel. The gourmet kitchen is a chef's dream, featuring exquisite quartzite countertops, custom soft-close hardwood cabinetry, a 36" induction cooktop, convection oven, microwave, and a butler's pantry. Entertain effortlessly as the living space flows from the great room with its lighted tray ceilings and 20" porcelain tile to the breakfast nook's stunning aquarium window, all while custom speakers provide the perfect ambiance throughout the home. Retreat to your primary suite, a true spa-like escape. It boasts dual custom closets and an opulent en-suite bathroom with marble double vanities, a deep soaking tub, and a magnificent walk-through shower. This SMART home is equipped with whole-house automation for security, lighting, and climate control, plus the peace of mind of hurricane-impact windows and doors. The luxury continues outdoors to your private oasis. The expansive screened lanai features a heated saltwater pool and spa with Pentair remote controls, a convenient poolside bathroom and outdoor shower, and built-in ceiling speakers-perfect for enjoying Florida's famous sunsets. The 3-car garage is a hobbyist's dream, complete with polyaspartic -finished floors and an **electric vehicle/RV outlet**. * *Unprecedented Value & Peace of Mind!** This home is a **Certified Pre-Owned Home** and includes: * A Comprehensive Pre-Listing Inspection. * A Preferred Home Warranty Upgrade. * A 12-Month "Love It or Leave It" Guarantee. And here's what truly sets this property apart: when you purchase this Certified Pre-Owned Home, it comes backed by our Buyback or Sell for Free Guarantee-if you're not completely happy with your purchase, we'll buy it back or sell it for free. Plus, if you need to sell your current home first, our Trade-Up Program makes it easy to move up without the stress of two mortgages or timing challenges. * Up to **$5,000 in closing cost credits** and interest rates as low as **5.19%** (with preferred lender, subject to qualifications).* Located out of the flood zone, this property offers the best of "Island Time" living-world-class fishing, boating, unique boutiques, and charming restaurants are just moments away. Don't just buy a home, invest in a lifestyle. This is a rare opportunity to own a piece of paradise with unmatched benefits. **Your dream of luxury, nature, and value has an address. Schedule your private tour today!**
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.
