6059 Montego Bay Loop, Fort Myers, FL 33908
3 beds · 3 baths · 2,674 sqft
Welcome to your personal piece of paradise! This meticulously maintained 3-bedroom, 2.5-bath home offers Gulf of Mexico access and a private dock featuring new composite decking with electricity. Spend your evenings fishing for tarpon, snook, and mangrove snapper, watching snook gather above the snook light, or enjoying playful dolphins and gentle manatees right from your private dock. Launch your kayak or watercraft for a serene 25-minute trip to the Gulf of Mexico! The exterior front boasts brand-new Khaki Brown Cedarmill Fiber Cement Lap Siding installed (3/2025), fresh exterior paint with a brick façade, and a newly installed vinyl fence with gates (2024). The front and back stairs have been re-decked with railings (12/2023), and impact windows in the front (2024) provide extra security and energy efficiency. A community boat ramp and boat storage add even more convenience. Just a few steps away, enjoy the community pool after a boat day—maybe even with a sunset cocktail in hand! Step inside to find luxury tile flooring and gorgeous coastal décor, with select pieces that can stay. Cathedral ceilings offer a bright and airy feel in the open living area. The fully remodeled kitchen is a chef’s dream, featuring a beautiful tile backsplash, high-end stainless steel appliances, quartz countertops, a breakfast bar, and rich cherry cabinetry with glass fronts. Plantation shutters throughout enhance the home's coastal charm. The primary suite is a peaceful retreat with a transom window for additional natural light and French doors leading to a spacious screened-in lanai—perfect for relaxing with morning coffee while watching the sunrise. Both bathrooms have been fully remodeled (2023), and all interior and entry doors were replaced in 2020. The oversized garage is currently used as a massive workshop and family space, featuring a split-unit AC to keep it comfortable year-round—an ideal man cave, workspace, or hobby room. Located close to top-rated schools, shopping, pristine beaches, and RSW Airport, this home truly has it all. The photos don’t do it justice—this is a must-see! Key Features: Gulf Access & Private Dock with New Composite Decking New Vinyl Fencing with Gates (2024) All New Front Impact Windows (2024) Luxury Tile Flooring Total Kitchen Remodel with Quartz Countertops & Cherry Cabinetry Fully Remodeled Bathrooms (2023) Large Screened Porch off Primary Bedroom Huge Garage/Workshop with AC Minutes to Schools, Shopping, Beaches & RSW Airport This boater’s dream home won’t last long! Schedule your private tour today!
Source: STELLAR #A4639399
Financials
Source: STELLAR #A4639399
Source: Public records
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 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.
Other resourcesWhat 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 “Get Notified” 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 580, 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.