10623 Carena Cir, Fort Myers, FL 33913
2 beds · 2 baths · sqft
Welcome home to your pet friendly, award winning, adult lifestyle (55+) living, gated community of Pelican Preserve Development - Carena Subdivision. The home sits on one of the largest lots in Carena subdivision with partial lake views too! Bimini model - open floor plan features include 2-bedrooms plus a large den (w/French doors) and 2-full baths, high 10' ceilings and 8' doors, crown molding, custom plantation shutters (including on sliding glass doors), tile on diagonal. Kitchen boasts upgraded shaker cabinetry, (Smart) stainless, appliances, gorgeous granite and backsplash, island w/breakfast bar and walk in pantry. Main bath features a glass enclosed shower and dual vanity, laundry with LG Smart W/D and laundry tub hookup, mud room. Vitex Smart Home system is installed/may be connected. The large 2-car garage is wired for cable. HVAC is Carrier 2015. Pest tubes in walls/service included in HOA fees. Screened lanai offers a sitting area under cover with an open sunning area including a hot tub, all with lake views (room for pool). HIGH AND DRY - Flood Zone X, lender does NOT REQUIRE FLOOD INSURNCE. Pelican Preserve active, friendly community amenities include a 27-hole golf course, town center, 3-pools (1-indoor), fitness center, spa, theater, 2-restaurants, woodworking shop, tennis, pickleball, nature preserve w/boardwalk, dog park, fishing pier. Pelican Preserve is famous for having a fabulous lifestyle and abundant activities to keep anyone as busy as they would like to be. View Virtual Tour!
Source: FORTMYERS #223087077
Interest rate and monthly payment estimated based on public records.
Source: FORTMYERS #223087077
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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 “Get Notified” 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 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.
MLS ID: #223087077
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.