10164 Boca Ct, Naples, FL 34109
3 beds · 2 baths · 2,534 sqft
Lovingly maintained home what a gift ! Only one owner, sought after family & PET friendly neighboorhood, just 4 miles to the beach. Owner will consider all offers. Spacious floor plan. Nestled on a coveted 1/4 acre corner lot with desirable Southern exposure in the Boca Palms gated community, this exceptional residence has been cherished by its original owner since inception. With its improvements officially documented as effective age 2005. Be sure you take a tour and enjoy the lifestyle video...this home presents a unique opportunity for discerning buyers seeking comfort & opportunity. Carefully designed w/ a newer roof, it offers a thoughtful layout with multiple living spaces for comfort and versatility. Formal living room & separate family room provide plenty of room to relax or entertain, the spacious designer kitchen w/ quartz counter/backslash with large casual eating area sits at the heart of the home , complemented by a formal dining room that can be converted to a 4th bedroom/den. A highlight of the property is the expansive screened lanai, where a large salt water pool with a therapeutic jetted spa ledge enjoys coveted Southern exposure, ensuring ample sunlight throughout the day & lake view or privacy hedge. With dedicated areas for lounging and outdoor dining, this space is perfect for enjoying Southwest Florida living at its best. The split-bedroom floor plan ensures privacy for all. The generously sized primary suite features direct access to the lanai, a seating area, large walk in closet & ensuite bath with dual sinks, a soaking tub, & a walk-in shower. The guest bedrooms are tucked away in their own “wing,” providing a comfortable retreat for family or visitors. North Naples location, only 4 miles to run/bike to the pristine Gulf beaches & 20 min to Olde Naples & 30 min to RSW airport . Community amenities include a clubhouse, pool, and tennis courts, enhancing the neighborhood’s appeal. This home blends comfort, privacy, and convenience—all within a beautifully maintained, gated setting. Be sure you request upgrades list & set a showing before someone else does. If on Zillow ck facts/features for lifestyle video.
Source: FORTMYERS #225027619
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: FORTMYERS #225027619
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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.
How do I qualify for an assumable mortgage?
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 620, 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.
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