11834 Pine Timber Ln, Fort Myers, FL 33913
3 beds · 2 baths · sqft
This private Timber Ridge SANCTUARY has it all including a BRAND NEW ROOF and tons of upgrades!! As you enter this meticulously maintained SMART Home you will instantly feel right at home; the real hardwood floors throughout add warmth and elegance to a light, bright and spacious floor plan. Split bedrooms, open living room and upgraded kitchen adorned with real wood cabinets offering ample storage space, endless elegant granite countertops for a sophisticated look and durability, stainless steel appliances, a reverse osmosis water filtration system, and additional built-in closets for extra storage. Separate laundry room with brand new washer and dryer leads out to an air conditioned garage (new mini split system) and innovative side-mounted LiftMaster garage door opener allows for more clearance than standard openers, maximizing space. Meander out the large lanai screened lanai and the backyard is a haven for nature lovers with established flowering trees like Cassia, Vera Wood, and Bottlebrush, alongside fruit trees such as dwarf mulberry, orange, and banana. The beautifully landscaped garden, meticulously designed to attract monarch butterflies and birds, including red-wing blackbirds, Blue Jays, Cardinals, and hummingbirds. A variety of fresh herbs and wildflowers including lemongrass, aloe, peppermint, rosemary, and jasmine enhance the garden's allure. This backyard sanctuary is fully fenced for privacy and security. Once inside again, the ease of technology is at your beck and call! The Home is wired with Cat6a shielded networking cable, Wi-Fi is enabled by multiple UniFi Wi-Fi access points, A Camera System is include and equipped with 4K & HD UniFi Protect cameras for for comprehensive outdoor coverage. The front door is secured with an August SmartLock for keyless entry and enhanced security along with a Nest thermostat for smart heating and cooling and Smart Smoke/ CO detection; Nest Protect is Installed throughout the home. The Living room has been pre-wired for TV and speakers for a wire-free entertainment experience and there is a Low-Voltage Media Enclosure offering a Centralized place for the home router, cables, and camera NVR. Throughout the home all lighting fixtures utilize energy-saving LED bulbs and a Smart Lighting HomeKit-enabled lighting with iDevices dimmable switches for Siri voice control, scheduling, and automation. The property is not only a home but a sanctuary that marries technology, comfort, and nature seamlessly. Call today to make a private showing appointment and start living your Florida dream tomorrow!
Source: FORTMYERS #224028848
Interest rate and monthly payment estimated based on public records.
Source: FORTMYERS #224028848
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: #224028848
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.