117 Hillcrest Dr Bradenton, FL 34209
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About this home
One or more photo(s) has been virtually staged. Virtually Staged | Assumable VA Rate Available- you don't have to be a veteran to take advantage of a VA Loan| NEW FLOORING APRIL 2025 - Stunning Pool Home in Prime West Bradenton Location. Tucked away in the peaceful enclave of Harbor Woods, this beautifully updated 3-bedroom, 2-bath pool home offers the perfect blend of charm, comfort, and convenience. Located between Manatee Ave W and Riverview Blvd, this friendly neighborhood of just 125 homes is ideal for morning walks, evening strolls, and a true sense of community. Step inside and fall in love with the soaring cathedral ceilings and a dramatic stone wood-burning fireplace that anchors the spacious family room. The split bedroom layout offers privacy, while the primary suite opens directly to the screened lanai and sparkling pool—your personal oasis! The kitchen is designed for both everyday living and entertaining, featuring granite countertops, wood cabinetry, a breakfast bar, and a pass-through window to the lanai. The bright breakfast nook also opens to the pool area, making indoor-outdoor living seamless! Updates include:2021 A/C system with 3-zone climate control-2024 stainless appliances(refrigerator, range, microwave)-2021 pool pump-Roof replaced in 2018. Live just minutes from Robinson Preserve, Palma Sola Botanical Gardens, DeSoto National Memorial, and a public boat ramp—plus, the sugar sand beaches of Anna Maria Island are only 10–15 minutes away. Whether you’re into kayaking, beachcombing, dining out, or just soaking in the Florida sun, this home puts it all within easy reach. Don’t miss your chance to own a slice of paradise!
Source: STELLAR #A4628780
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.