8286 Sumner Ave, Fort Myers, FL 33908
3 beds · 3 baths · 2,877 sqft
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A stunning two-story home that ideally blends elegance and comfort in the sought-after community of Catalina Isles. From the moment you arrive, the curb appeal captivates you with a tile roof, brick paver driveway and mature landscaping. Step inside the grand foyer, where soaring two-story ceilings, recessed lighting, arched doorways and tile flooring throughout the main living areas set the stage for sophistication. To your left, French doors open to a spacious den, ideal for a home office or library, while a beautifully finished wood and iron staircase ascends to the second floor. Further in, the expansive great room is filled with natural light from large windows that frame views of the resort-style pool. The kitchen features stainless appliances, wood cabinetry, granite countertops, a pantry, a center island and a breakfast bar. Adjacent, the breakfast nook with a tray ceiling and the family room offers seamless access to the outdoor oasis through glass sliders. The highlight of this home is the extended and screened-in lanai, ideal for entertaining or relaxing. The covered area with paver flooring provides ample space for outdoor dining and lounging, while the lagoon-shaped heated pool, spill-over spa and water feature create a resort-like ambiance. Upstairs, laminated wood floors lead to a versatile loft space, ideal for a media room or play area. The owner's suite, accessed through elegant French doors, boasts crown molding, a walk-in closet and a luxurious en-suite bath with a dual-sink vanity, deep soaking tub and walk-in shower. Two generously sized guest bedrooms, one with a walk-in closet, and a shared bath complete the upper level. Residents of Catalina Isles enjoy exclusive amenities, including a clubhouse, fitness center, pool with cabanas, playground and gated security. Minutes from shopping, dining and gulf beaches, this home offers the ideal balance of luxury and convenience. Don't miss the opportunity to make this exceptional property your new home!
Source: NABOR #224100840
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 #224100840
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 of Equal Opportunity Act.