223 Pine Valley Cir Naples, FL 34113
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About this home
St. Andrews at Lely Golf Estates – A Home with Heart, Ready for Your Special Touch! Welcome to this inviting single-family home in the friendly and beautifully maintained St. Andrews at Lely Golf Estates community. Nestled among peaceful golf and lake views, this lovely 3-bedroom plus den, 2-bath home has already received over $100,000 in thoughtful updates and is now waiting for its new owners to bring their personal touch and a little TLC to make it truly shine. You’ll love the warm, open layout that offers both comfort and functionality. The split-bedroom design provides privacy for family or guests, while the bamboo wood floors add a touch of natural elegance to the main living spaces. The kitchen has been beautifully updated with custom wood cabinets, Level 5 granite countertops, and stainless steel appliances, making it a perfect gathering spot for preparing meals or entertaining loved ones. The spacious master suite features his-and-hers walk-in closets and a beautifully updated bathroom with dual granite sinks and a glass walk-in shower. Light pours into the home through a custom skylight and impact-rated double-pane windows, creating a bright, airy atmosphere that feels welcoming all year long. Step outside to your screened lanai and take in the peaceful long lake views and the 4th fairway of Hibiscus Golf Course—a serene setting to enjoy your morning coffee, read a book, or simply watch the sunset. There’s even room to add your own pool if you wish! Located on a quiet, friendly street, this home offers easy access to Downtown Old Naples, pristine beaches, great schools, shopping, dining, churches, and medical facilities. Whether you’re looking to settle into retirement or find a wonderful place to grow and make memories with family, this home offers the best of Naples living. A one-year home warranty adds extra peace of mind, so you can focus on what really matters—making this home your own. Come see the possibilities and experience the warmth of St. Andrews at Lely Golf Estates—a home where comfort meets potential and where your next chapter is waiting to begin.
Source: FORTMYERS #225078471
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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.