12518 Chrasfield Chase, Fort Myers, FL 33913
3 beds · 3 baths · 2,554 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Prepare to be wowed! Welcome to your dream home in Somerset at The Plantation. This stunning home sits on a serene preserve lot with lush landscaped views from an oversized, private lanai. Step out the front door to take in a long lake and golf course view directly across the street, as an added bonus! This meticulously maintained Davenport model is being sold turnkey and offers an open, split bedroom floor plan, large den, spacious kitchen/living area, private Primary bedroom and three car garage. You will live on your lanai, as it is the ideal spot to entertain family and guests, who will be amazed by the extended height of the lanai cage and panoramic window screen, outdoor kitchen, firepit, Tiki bar with grill and remote controlled window awnings. Plenty of space to add a pool and/or spa as an option as well. WHOLE HOME HURRICANE PROTECTION with roll down shutters at front entrance and lanai and accordion shutters included on each window in the home. The ENTIRE HOME is equipped with a TESLA SOLAR SYSTEM with 2 power walls for emergency backup and includes a transferrable 10 year warranty (with 8 years remaining). Full home ADT security system, along with interactive camera system throughout will remain with the home. Remote blackout shades in all bedrooms allow an abundance of privacy and darkness for a good night's sleep, or the added convenience of some shade when needed. Two car plus one golf cart garage features finished flooring and cabinetry and a 2023 six passenger Evolution golf cart, which is included with the home. New appliances and utilities make this home a fuss free, move in ready opportunity. Well appointed furnishings throughout the home are negotiable, and an inventory and upgrade list is readily available. Social memberships are available, which allows access to the community's restaurants and social events held through the year. For golfers, there is an option to purchase a private membership (currently on a short wait list). An on-site activities director plans many events throughout the year, so there is always something exciting going on. Membership is not mandatory, but highly desirable! The Plantation is conveniently located within 10 minutes of SWFL International Airport, Florida Gulf Coast University, central to all SWFL beaches, shopping and dining. You will never want to leave home, once you experience the Plantation lifestyle!
Source: NABOR #224072342
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: NABOR #224072342
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 of Equal Opportunity Act.