Welcome to this beautifully maintained pool home in a sought-after Naples community! This pristine 2BR plus Den/2BA residence offers upgrades galore! Step inside to find high ceilings, elegant wood flooring, and a spacious great room that flows seamlessly into the upgraded kitchen featuring granite countertops, stainless-steel appliances, and a generous breakfast bar. The split-bedroom floorplan ensures privacy, with a serene primary suite that includes a walk-in closet, and a spa-inspired bathroom. Enjoy Florida living at its finest on the covered lanai with an oversized sparkling pool and spa overlooking the private and lush preserve landscaping. The property also includes an attached two-car garage with built-in storage, an epoxy floor, equipped with a brand new mini split premium Levalor AC, a motorized bike lift, and separate large storage lift. Located just minutes from pristine Gulf beaches, world-class dining, shopping, golf courses, and top-rated schools, this home offers the perfect blend of comfort, convenience, and classic Naples charm. The Quarry is an amenity-rich, gated lakefront community boasting over 500 acres of lakes ideal for boating, water skiing, paddleboarding, jet skiing, kayaking, and fishing. The newly renovated Beach Club features tennis, pickleball, bocce ball, a Tiki bar, a restaurant, poolside food and drink service, a wellness center, and a full-time activities director to keep you engaged. Optional golf membership is available, making The Quarry a perfect fit for everyone! Embrace the lifestyle you’ve always wanted in this vibrant community! Whether you’re seeking a year-round residence, seasonal getaway, or investment opportunity, 9121 Quartz Lane is move-in ready and sure to impress.
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.
