8286 Sumner Ave Unit 1 Fort Myers, FL 33908
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About this home
This stunning two-story home, located in the highly sought-after community of Catalina Isles, perfectly blends elegance and comfort. The curb appeal immediately captivates with a brick paver driveway, and mature, manicured landscaping. Step inside the grand foyer where soaring two-story ceilings, recessed lighting, arched doorways, and sophisticated tile flooring set a tone of luxury. The main level flows into an expansive great room, filled with natural light from large windows that offer views of the resort-style pool. The chef-inspired kitchen is a delight, boasting stainless steel appliances, wood cabinetry, granite countertops, a large center island, a pantry, and a breakfast bar. Adjacent to the kitchen, the breakfast nook, featuring a charming tray ceiling, and the family room offer seamless access to the outdoor oasis through glass sliders, making this area perfect for both daily living and entertaining guests. The true highlight of this home is the extended and screened-in lanai. This outdoor haven is ideal for relaxing or hosting gatherings, with a covered area featuring paver flooring for outdoor dining and lounging. The centerpiece is the custom lagoon-shaped heated pool, complete with a spill-over spa and a soothing water feature, creating a private, resort-like ambiance. Upstairs, wood floors lead to a versatile loft space, which can easily be configured as a media room, play area, or second family room. The luxurious owner's suite, accessed through elegant French doors, is a private retreat boasting crown molding and a large walk-in closet. The en-suite bath is finished with a dual-sink vanity, a deep soaking tub, and a walk-in shower. The upper level is completed by two generously sized guest bedrooms, one with a walk-in closet, and a shared full bath. Residents of Catalina Isles enjoy an array of exclusive amenities, including a clubhouse, a fully equipped fitness center, a community pool with cabanas, a playground, and the peace of mind of gated security. Offering the ideal balance of luxury and convenience, this exceptional property is just minutes away from shopping, dining, and the beautiful Gulf beaches. Don't miss the opportunity to make this spectacular house your new home!
Source: FORTMYERS #225072430
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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.
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