Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— Facts & features
Interior
- Other
- Pantry
- Walk-In Closet(s)
Appliances
- Dishwasher
- Disposal
- Dryer
- Microwave
- Other Equipment/Appliances
- Refrigerator
- Self Cleaning Oven
- Wall Oven
- Washer
Cooling & heating
- Central Air
- Electric
- Central
- Electric
Flooring
- Tile
Parking
- 2 Or More Spaces
- Parking Garage
Community amenities
- Gated
- Clubhouse
- Clubhouse-Clubroom
- Community Room
- Community Pool
- Exercise Room
- Other
- Pool
- Private Pool
- Spa/Hot Tub
Maintenance includes
- Water
Pets
- Yes
Construction & roof
- Concrete Block Construction
- Tile
- Tile Roof
— Location
2114 Sequoia, Naples
— Mortgage Estimator
Estimate your monthly cost.
For a personalized quote or pre-approval, we'll connect you with one of our trusted lending partners.
Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeCollier
Collier County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $108,000
%
$432,000 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$3,651
Per month, all-in
Monthly breakdown
- Principal & interest$2,87379%
- Property taxes$3309%
- Insurance$44012%
- HOA$80%
Tax: Collier County effective rate (0.73%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.
Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.
Cash & qualification
- Cash at closing
- $129,250
- Income to qualify
- $157,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $35/mo and $12,500 over the life of this loan.
Over the life of the loan
- Total paid
- $1,034,156
- Total interest
- $602,156
- Paid off
- 2056
— Preferred lender
Talk numbers with someone who knows the market.
Vera Vita is not a lender and does not earn a referral fee on lender introductions. Rates, terms, and approval remain between you and your lender of choice.
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