3628 Heritage Ln, Fort Myers, FL 33908
5 beds · 5 baths · 7,266 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled in the heart of Fort Myers this luxurious estate offers an extraordinary blend of elegance, space and privacy on nearly 4 acres. Spanning 7,266 square feet of beautifully designed living space, this 5 bedroom/5 bathroom residence is a true masterpiece of comfort and sophistication. As you enter, you're greeted by spacious, light filled rooms and high-end finishes throughout, crafted to provide both functionality and style. The open concept floor plan flows seamlessly from one area to the next, making it perfect for entertaining or enjoying peaceful family moments. At the heart of this home lies a chef's kitchen with Quartzite countertops and top of the line appliances including double wall ovens, built in coffee system and beverage refrigerator. The large central island serves as a striking focal point, offering ample space and seating for casual dining and entertaining. An expansive butler's pantry provides ample storage and prep space. Each of the five bedrooms offers a private bathroom, creating a personal retreat for family members and guests alike. The spacious primary suite is a true sanctuary, featuring a sitting area perfect for relaxing and unwinding. The spa like bathroom has dual walk in closets, stand alone tub and walk in shower with dual rain shower heads. Practicality meets elegance with extensive storage throughout the home. Recently updated with a new roof in 2021, new air conditioners 2023, new hot water heaters 2023 and pool pump 2024. Despite its serene setting, this estate is only minutes away from shopping, dining, healthcare, airport and beaches, providing the perfect balance of luxury and convenience. A lot split might be possible. Please see virtual tour.
Source: NABOR #224080700
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 #224080700
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.