Welcome to 814 La Salle Ave — a move-in ready home positioned in one of the fastest-growing corridors of Fort Myers, offering long-term upside and immediate comfort. Built in 2019, this newer construction home delivers modern systems, lower maintenance, and insurance advantages compared to older properties. Even better, the home features PAID-OFF SOLAR PANELS, significantly reducing monthly utility costs and protecting you from rising energy prices. Situated on an OVERSIZED 0.37-ACRE CANAL LOT, this property offers rare space, privacy, and flexibility. Whether you’re looking to add a pool, store equipment, or simply enjoy more distance from neighbors, this lot delivers. The canal frontage adds an extra layer of openness and drainage benefit, while the BACKYARD SHED provides additional storage without sacrificing interior space. Inside, the home has been COMPLETELY REFRESHED WITH NEW INTERIOR AND EXTERIOR PAINT and features BRAND-NEW LUXURY VINYL PLANK FLOORING IN THE BEDROOMS—NO CARPET ANYWHERE, making it ideal for durability, easy maintenance, and a clean, modern look. The open layout is enhanced by VAULTED CEILINGS, creating a brighter, more spacious feel throughout. The primary suite stands out with a JACUZZI BRAND SHOWER, offering a higher-end, spa-like experience in your own home. Enjoy Florida living year-round with both a SCREENED-IN FRONT PORCH AND REAR LANAI, allowing you to relax outdoors without the hassle of bugs—perfect for morning coffee or evening unwinding. This home is connected to CITY WATER, eliminating concerns over well maintenance and water quality. Additionally, the property is NOT LOCATED IN A FLOOD ZONE, meaning NO FLOOD INSURANCE IS REQUIRED—a major cost savings and added peace of mind for the next owner. Location is where this property truly shines. You are minutes from major growth and infrastructure projects including the ALICO ROAD EXTENSION, TWO FUTURE SCHOOLS, expanding RETAIL AND COMMERCIAL DEVELOPMENTS, RSW INTERNATIONAL AIRPORT, and the AMAZON LOGISTICS HUB. Surrounded by large-scale residential developments from national builders, this area is experiencing rapid appreciation and continued demand—making this not just a home, but a strategic investment. If you’re looking for a newer, upgraded home with land, energy efficiency, and strong future upside in a high-growth location, this is a standout opportunity.
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.
