6315 4th Ave NW Bradenton, FL 34209
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About this home
Move-In Ready 3BR/2BA beautifully updated Gem in Northwest Bradenton sits on a 12,960 sq. ft. corner lot in the desirable Belair Bayou community. This split-bedroom design offers privacy, while the open floor plan with soaring cathedral ceilings creates a bright and spacious feel. The updated kitchen boasts granite island/countertops and custom cabinetry, opening seamlessly to the family room with a cozy gas fireplace and two sets of French doors which lead out to the private fenced backyard oasis with majestic oak trees. Both bathrooms have been tastefully updated with granite countertops, and the primary en-suite features a spacious walk-in shower. Additional highlights include a newly paved driveway, professional landscaping, fresh interior and exterior paint, engineered hardwood flooring throughout, and custom designed walk-in closet in the primary suite. Enjoy the prime location-just minutes to Warner's Bayou boat ramp, Robinson Preserve walking/biking trails, GT Bray Park with premier pickleball courts, and only approx. 5 miles from the pristine beaches of Anna Maria Island. Close to Desoto Memorial as well as walking/biking distance from shopping.
Source: STELLAR #A4666102
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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.