19751 Coconut Harbor Cir Fort Myers, FL 33908
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About this home
Welcome to Coconut Cove — where modern comfort meets peace of mind! This 1,812 sq. ft. single-family home, tucked away in one of the community’s most private settings, proves you don’t need a pool to make a splash. With a spacious backyard ready for epic barbecues, corn hole tournaments, play with your pet or your future dream pool, the possibilities are endless. Inside, you’ll find porcelain tile floors throughout, a bright open layout, and a stylish kitchen with quartz countertops and natural gas cooking because let’s be honest, food just tastes better with fire. Impact-resistant windows, doors and lanai shutters give you security and quiet, while the Trane A/C with built-in humidifier keeps you cool and comfortable year-round. Add in a Generac Guardian whole house generator (1 year old, $16,000 value!), and you’re basically storm-proof. Plus, the whole community sits 17 feet above sea level, so flooding is something that happens… well, to other people. Coconut Cove is one of SWFL’s best-kept secrets: low HOA fees, no city taxes, natural gas, no CDD, and an unbeatable location west of US-41. Close to beaches, restaurants, and shopping, yet tucked away in a private, gated neighborhood. You’ll wonder how you ever lived anywhere else. If you’re looking for a home that’s as smart as it is stylish, this is it. Just don’t wait too long. Homes here tend to disappear faster than Florida sunsets!
Source: FORTMYERS #225070526
Loan details
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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.