10334 Quail Crown Dr, Naples, FL 34119
4 beds · 3 baths · 2,900 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this spacious 4-bedroom plus den, 2.5-bathroom Aberdeen model - the largest single-family floor plan in Quail Creek Village - ideally situated on a quiet cul-de-sac with breathtaking west-facing lake and golf course views. This orientation offers the perfect vantage point to enjoy vibrant sunsets from your private lanai, creating a warm, golden ambiance ideal for evening relaxation and entertaining. Step outside to your private saltwater pool, which has been resurfaced and enhanced with new pavers, a panoramic picture-window lanai screen with upgraded no-see-um mesh, as well as electric storm shutters for added protection. This home presents a rare opportunity with an assumable 3% interest rate mortgage, offering incredible value in today’s market. A true smart home, key features like the garage door, pool pump, timers, and pool lights are all easily controlled via app. Extensive upgrades offer peace of mind and modern comfort, including a complete home replumb - a significant improvement already required in many homes throughout the area - and the removal of all copper piping. A newer air conditioning system (2020) and all newer attic ductwork were professionally installed to meet current code, as part of a $40,000 renovation investment. The hot water heater (2020) now includes a newer recirculating pump, delivering hot water to the primary suite in just 15 seconds. This friendly, amenity-rich guard-gated community offers something for everyone, including an 18-hole golf course, tennis, bocce, putting green, restaurant, pool bar, locker rooms, and a pro shop. Social life is thriving with nightly card games at The Nest clubhouse and a weekly neighborhood potluck, making it easy to feel at home in Quail Creek Village.
Source: FORTMYERS #225045487
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: FORTMYERS #225045487
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.
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.
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.