13644 Gulf Breeze St Fort Myers, FL 33907
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About this home
Discover this inviting 3-bedroom, 2-bath attached villa in Fort Myers, offering a comfortable and functional layout perfect for Florida living. The heart of the home is a spacious great room with an open-concept kitchen, featuring wood cabinetry and stainless steel appliances. The split-bedroom floor plan is a thoughtful design that ensures privacy for both you and your guests. Step outside to enjoy a private pool and spa on the attractive travertine lanai, creating a perfect retreat for relaxation or entertaining. This home is also equipped for convenience and security, offering the valuable peace of mind of hurricane shutters—including electric roll-downs on the lanai—and the significant cost savings of a rooftop solar system - Electric bill only a mere $26 a month. Residents of Reflection Lakes enjoy an active lifestyle with access to tennis, pickleball, a fitness center, and a community pool, all for a low HOA fee. The location is exceptionally convenient, situated near popular shopping centers, diverse restaurants, and the Barbara B. Mann Performing Arts Hall, and just minutes from the beautiful Fort Myers and Sanibel Beaches. Travel is also made easy, with RSW Airport just a 20-minute drive away. This property presents a wonderful opportunity to create your ideal home. We invite you to schedule a showing to see it for yourself.
Source: FORTMYERS #225052782
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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.