VA loan
1 of 22
VA loan
$1,395,000 SIGNIN

Sign in to see required down payment for the 2.875% rate

24642 Rocky Rd, Bonita Springs, FL 34135

4 beds · 4 baths · 4,042 sqft

Modern Country Estate Pool home nestled among towering pines on 1.25 Acres, Dual Owner’s Suites and Stunning Upgrades! Step into the perfect blend of modern elegance and country charm with this sprawling estate home! This stunning 3,536 sq. ft. custom-built estate is more than just a house—it’s a lifestyle. Brand new 40x16 lap pool, 11x6 giant spa with swim lane to sun deck. Bocce ball court and horse shoes with a customized chicken coop and goat play pen. This home boasts 4 bedrooms and a spacious recreation room/den, 3.5 baths, and a 2-car attached garage, this pool home is a gem is designed for those who crave space, charm, and contemporary upgrades. Fully fenced land with a gated entrance, this stunning property offers privacy, space, and endless possibilities. Decorative shiplap wall coverings add timeless appeal, while large porches invite you to sit back and enjoy the beauty of country living. Inside, every space is oversized and thoughtfully designed. The home boasts four bedrooms, including two owner’s suites, ideal for multi-generational living or hosting long-term guests. The primary owner’s suite is a true retreat, featuring a modern farm-style luxury bath with a jetted soaking tub for ultimate relaxation. With three full baths and a half bath, convenience is at your fingertips. The loft area provides the perfect space for entertaining or guest overflow, while the large family dining area is designed for gathering and making memories. A cozy wood burning fireplace adds warmth and charm, making this home as inviting as it is spacious. The gourmet kitchen boasts a farmhouse sink, double oven, and stainless steel appliances. The outdoor space is equally impressive, featuring a sparkling 2023 built pool, a private oasis for relaxing and entertaining. There’s also plenty of room for horses, goats, and other animals, making this a dream property for those who love the country lifestyle with the beaches and entertaining amenities less than five minutes from this hidden gem. A massive 20' x 36' detached 720sq.ft. workshop/mancave is fully equipped with electricity and offers the ultimate space for tools, toys, with two overhead garage doors. With a perfect balance of modern amenities, farmhouse character, and wide-open spaces, this estate is truly one of a kind.With no HOA or restrictions, there's ample space to park your boat, RV, or other recreational vehicles. Best of all, this home sits in flood zone X, meaning no flood insurance is required. Ideally located just minutes from Bonita Springs Beach, top-rated private and public schools, award-winning restaurants, shopping, golf courses, theaters, and RSW Airport, this one-of-a-kind estate offers the perfect blend of privacy, convenience, and modern living. Don’t miss your chance to make this incredible home yours!

Estimated
Seller's interest rate
2.875%
7%
Estimated
Monthly payment

$5,092
$6,775
You may also save up to $536,924 in total interest paid.

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.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $6,775 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
2.875%
Remaining term
26 yrs and 7 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$5,092
Principal & interest
$3,111
Mortgage insurance
-
Property taxes
$713
Home insurance
$1,267
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
3,536 sqft
Lot size
1.25 acres
Year built
2002
Type
Single Family Residence
HOA dues
$0.00

Source: FORTMYERS #225026493

Qualify

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.

Resources
Frequently asked questions

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.

View all FAQs
Last updated: Apr 17, 2025 12:02 am
Listing agent: Jennifer Finazzo (239) 825-0700
Listing provided courtesy of: Coldwell Banker Realty (239) 262-7131
Details provided by FORTMYERS and may not match the public record.
MLS ID: #225026493
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed.
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