12780 Maiden Cane Ln, Bonita Springs, FL 34135
2 beds · 2 baths · 2,055 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Golf Membership Included ($50,000 value)! Hunters Ridge is a Private Golf & Country Club, not a bundled community only 420 golf members. No Chelsea system and our golf member enthusiast can play the course as often as they choose! This beautiful 2-bedroom + den, 2-bath villa features a kitchen with stainless steel appliances, soft-close shaker cabinets, granite countertops, a stylish backsplash, a double apron sink, pendant lighting, under-cabinet lighting, and a built-in wine cooler. In residence laundry room with new washer & dryer. Both bathrooms have been updated with modern vanities, toilets, tiled showers and floors, faucets, and light fixtures. Additional updates include blown-in attic insulation, flooring, baseboards, and entry fixtures. Hurricane-impact windows, front door, and garage side doors along with a generator and hook up for added security! The front entry and lanai feature invisible screening, offering unobstructed views, while the 2-car garage with commercial epoxy floor and 4 inch borders, provides extra storage and room for a golf cart ($12,000 Lithium battery powered golf cart included!) . This home boasts incredible curb appeal, with lush landscaping along with inviting brick paver driveway, sidewalk, and entryway. Don’t miss this stunning villa that truly has it all! Hunters Ridge is very friendly, casual, and offers a large variety of social activities. Only 6 miles from Barefoot Beach Preserve! Just minutes to the best shopping, dining, entertainment, and the RSW Airport. 18-hole championship golf course, golf simulators, large community swimming pool with food & beverage service, activity center, fitness center, clubhouse, dining room and grill room, poolside cafe, tennis courts, pickleball courts and much much more!
Source: FORTMYERS #225012032
All values shown are estimated costs / mo.
Source: Public records
Source: FORTMYERS #225012032
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.