7912 Umberto Ct, Naples, FL 34114
2 beds · 2 baths · 2,121 sqft
Welcome to your own piece of paradise in the heart of Naples! This 2-bed + den, 2-bath villa offers the perfect blend of comfort, style, and breathtaking lakefront views. Nestled in a serene section of the highly sought-after Verona Walk community, this home provides peace and privacy—without the worry of flood insurance, thanks to its prime location. Step inside to discover a bright and spacious layout, where high ceilings, plantation shutters, and recessed lighting create an inviting atmosphere. The open-concept kitchen is a chef’s delight, featuring abundant cabinetry and brand-new stainless steel appliances, including a microwave and oven. The true highlight of this home? The expansive screened lanai with a private pool and a covered seating area—the ideal setting for alfresco dining, entertaining guests, or simply unwinding while enjoying breathtaking lakefront sunsets. With desirable southern exposure, you'll bask in sunlight all day long. Beyond your doorstep, Verona Walk offers a resort-style lifestyle, with amenities designed for active and social living. Enjoy access to a 24/7 guarded entrance, clubhouse, resort pool, fitness center, tennis, pickleball, bocce, basketball, billiards, library, and even an on-site beauty salon, gas station, and post office—all just moments from your home. Whether you're seeking a full-time residence or a seasonal retreat, this villa delivers the Naples lifestyle you've always dreamed of. Don’t miss this opportunity to own a move-in ready, low-maintenance home in one of Southwest Florida’s most desirable communities!
Source: FORTMYERS #225015097
Financials
Source: Public records
Source: FORTMYERS #225015097
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.
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 “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.