One or more photo(s) has been virtually staged, AI generated or rendered. Welcome to effortless Southwest Florida living in Del Webb Naples—where lifestyle, design, and location come together seamlessly. Positioned on a peaceful lake with desirable northeast rear exposure, this beautifully maintained Serenity model offers the kind of light, openness, and privacy buyers are searching for—but rarely find done this well. From the moment you walk in, you’re greeted by a clean, modern palette and expansive sightlines that draw your eye straight through to the lanai and tranquil water beyond. The entire home is finished with wood-look tile flooring, creating a cohesive, low-maintenance space that feels both elevated and easy to live in. The layout is exactly what today’s buyer wants—open and inviting for everyday living, yet thoughtfully split to provide privacy for guests. The den, enhanced with custom barn doors, offers flexibility as a home office, media room, or additional guest space. At the heart of the home, the kitchen delivers both function and style with quartz countertops, abundant cabinetry, and a large island that naturally becomes the gathering place. It flows effortlessly into the main living and dining areas, making entertaining feel seamless. The primary suite is quietly tucked away with calming water views, dual vanities, a spacious walk-in shower, and a generous walk-in closet. Guests will appreciate their own private space on the opposite side of the home. Step outside to the extended screened lanai—an inviting space ready for your future outdoor kitchen, grill, or private retreat. With soft morning light and shaded afternoons, it’s the perfect setting to unwind and take in the peaceful lake views. What truly sets this home apart is its rarity within the community. This is one of the few duplex villas—offering more privacy than the quad-style villas—and it is currently the lowest-priced opportunity of its kind. Even more, this floor plan is no longer being offered by the builder, making it a limited and increasingly desirable option. Life in Del Webb Naples is about more than just the home. Residents enjoy access to two clubhouses, including the impressive Oasis Club with resort-style pool, lap pool, spa, fitness center, movement studio, and golf simulator. There are pickleball, tennis, and bocce courts, along with a full calendar of social events led by an on-site lifestyle director. The Rusty Putter Restaurant offers casual dining, and golf enthusiasts have the option to join Panther Run Golf Club for a premier championship experience—all within an open play golf community. Just beyond the gates, Ave Maria offers a vibrant town center with dining, shopping, parks, a weekly farmers market, live music, and year-round events—all just a short golf cart ride away. This is more than a home—it’s the lifestyle people move here for. Ave Maria — Once you get here, you “get it.”
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.
