12526 Laurel Cove Dr Fort Myers, FL 33913
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About this home
Welcome to Gateways Hammock Cove—a pristine townhouse that feels better than new and instantly like home the moment you step inside. The stylish neutral color palette and abundant natural light create a warm and inviting atmosphere throughout. Enter through the foyer to discover a welcoming open-concept living, dining, and kitchen area featuring high ceilings, granite countertops, a breakfast bar, 42-inch white wood cabinets, and stainless-steel appliances. The main floor also includes a convenient half bath and garage access. Upstairs, you’ll appreciate the spacious primary suite, complete with a walk-in closet and ensuite bath that provides the privacy and comfort you need to unwind at the end of the day. Two additional large bedrooms, each with their own walk-in closets, share a full bathroom, and the laundry room is conveniently located on this level as well. Whether entertaining guests or simply relaxing on the screened lanai, you’ll enjoy the peaceful, park-like setting of Hammock Cove. Take a refreshing dip in the community pool or explore the many wonderful amenities offered by Gateway Greens and the surrounding Gateway community.
Source: FORTMYERS #2025016815
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Close stress-free in 45 days, handled start to finish by Roam.
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.