NW BRADENTON STUNNER WITH LARGE FENCED IN YARD!!! From the moment you arrive, this beautifully UPDATED 4 BEDROOM residence makes a lasting impression with its clean lines, fresh exterior palette, and inviting curb appeal. NO HOA/DEED RESTRICTIONS, NO FLOOD INSURANCE! Perfectly positioned on an oversized corner lot, the property offers a sense of space and privacy that is hard to find, while newly refreshed landscaping enhances the home’s crisp, modern look. A spacious driveway leads to the 2 car garage (single stall door), and warm exterior lighting highlights the welcoming front entry. Step through the front door into a light and bright interior where every detail has been thoughtfully reimagined. Wide plank flooring flows seamlessly throughout the home, complemented by fresh paint, modern fixtures, and an open, airy layout designed for today’s lifestyle. The main living area offers an expansive gathering space filled with natural light, enhanced by recessed lighting and oversized windows. The layout effortlessly connects the living room to the dining area, creating the perfect setting for both everyday living and entertaining. The kitchen has been completely transformed into a stylish and functional centerpiece, featuring sleek white cabinetry, quartz countertops, stainless steel appliances, and a striking vent hood that anchors the space. A large peninsula with bar seating provides the ideal spot for casual dining or hosting guests, while ample cabinet and counter space ensures both beauty and practicality. The open flow into the dining area allows for easy entertaining and a true sense of connectivity throughout the home. The primary suite offers a peaceful retreat with generous proportions, abundant natural light, and a clean, modern aesthetic. The en suite bathroom has been fully renovated with a designer touch, featuring a new vanity, updated fixtures, and a beautifully tiled walk in shower that creates a spa like experience. Every element has been thoughtfully selected to provide both comfort and style. Three additional bedrooms offer flexibility for family, guests, or a home office, each featuring the same updated flooring, fresh finishes, and plenty of natural light. The secondary bathroom has also been completely renovated with modern tilework, updated cabinetry, and a cohesive design that mirrors the quality seen throughout the home. Step outside to discover one of the property’s most impressive features, an expansive, fully fenced backyard offering exceptional privacy and endless possibilities. Set on this oversized corner lot, the outdoor space is both functional and serene, highlighted by mature avocado trees, coconut palms, and a mango tree that create a lush, tropical setting. Whether you need space to store a boat, create a custom pool, or simply enjoy wide open outdoor living, this yard delivers! The oversized covered and screened lanai provides the perfect extension of the living space, ideal for relaxing or entertaining year round, while the additional open patio offers even more room to gather! Additional upgrades include newer windows, a new hot water heater, and updated landscaping, providing peace of mind and move in ready convenience. Perfectly positioned in a highly desirable central location, this home is just minutes from the world renowned beaches of Anna Maria Island, IMG Academy, St. Stephens and the vibrant dining, shopping, and waterfront attractions of downtown Bradenton. DO NOT WAIT ON THIS ONE!!!
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
