14215 Vindel Cir, Fort Myers, FL 33905
3 beds · 3 baths · 1,852 sqft
BEAUTIFUL LAKE VIEW HOME W/OPEN FLOOR PLAN AND MANY UPGRADES, ON OVERSIZED LOT! Discover the allure of this gorgeous 3 bedroom / 3 bathroom Venice model, nestled in the vibrant and family-friendly Portico community in Fort Myers. This stunning property seamlessly blends modern luxury with functional design, creating an ideal sanctuary for families, professionals, and retirees alike. It includes a covered front porch, a 2-car garage, smart home technology, energy-efficient appliances, and high-quality finishes throughout. You will love the open living concept of this home! The great room flows effortlessly into the gourmet kitchen, making it perfect for hosting gatherings or spending quality time with loved ones. The kitchen is a chef's dream, feat. stainless-steel appliances, ample cabinet space and a large counter (granite) with breakfast bar seating. Retreat to your luxurious owner’s suite, complete with two large walk-in closets and a spa-inspired en-suite bathroom w/dual vanities and an oversized walk-in shower. Two additional bedrooms, each with their own private bathroom and thoughtfully designed with comfort and privacy in mind, can easily be transformed into guest rooms, home offices, or playrooms, accommodating your family’s unique needs. Tall sliding glass doors lead from the living room to the covered and screened-in lanai, which is a perfect place to enjoy amazing lake and nature views - an oasis for cozy outdoor relaxing! The lovely backyard has plenty of room to add a pool. And to top it all off, this spectacular home has MANY UPGRADES AND ADDITONAL VALUE already included, which clearly sets it apart from other properties! These Upgrades include a Whole House Generator (for which the house is already wired), a Whole House Water Filtration System, a glass insert in front door, a cabinet system in the in-residence laundry room, an epoxy garage floor and more. This gem is ready for you to move in and enjoy your dream home in paradise! NO FLOOD INSURANCE REQUIRED! PORTICO is a popular, access-controlled community w/Low HOA fees. Residents enjoy resort-style amenities, including a clubhouse, community pool, gym, yoga/exercise room, tennis, pickleball, basketball + play area. Pets, Fences & LSVs permitted! Great location, short drive to I-75, shopping, dining & more!
Source: NABOR #224097051
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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
Source: NABOR #224097051
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.