10411 Winding Stream Way, Bradenton, FL 34212
4 beds · 3 baths · 2,879 sqft sqft
One or more photo(s) has been virtually staged.Welcome to Waterlefe Golf & River Club, an exclusive guard-gated community where golfing, boating, and fishing can be part of your everyday lifestyle! Upon arrival, you'll be captivated by the elegant curb appeal and meticulously landscaped grounds that set the tone for the exceptional living experience that awaits inside. As you enter the front door, you will be greeted with stunning views of the luxurious outdoor oasis through the sliding glass doors off the formal living room. Enjoy your morning coffee on the expansive lanai overlooking the 18th hole and canal, while watching the sunrise paint the sky and listening to the tranquil sound of the cascading natural waterfall as it spills into the pool. Entertaining becomes effortless within this thoughtfully designed floor plan. Transition through the arched doorway from the living room/ dining room area to discover the gourmet kitchen, boasting ample cabinet and counter space, which opens to the family room and breakfast nook. Guests can mingle at the kitchen island or unwind in the family room while dinner is being prepared. Expand your entertaining space by opening the sliding glass doors from both the living and family rooms, creating a seamless flow onto the screened lanai and pool area with an outdoor kitchen, perfect for hosting gatherings in style. Escape to the stately primary suite at the end of the day, where a private sitting area, two walk-in closets, and a spa-like retreat await within the primary bathroom. The home also features a three-car garage complete with built-in storage cabinets, ensuring ample space for both vehicles and belongings. With four bedrooms, three baths, plus a den, this home effortlessly blends sophistication with functionality, offering a lifestyle of unparalleled comfort and refinement. Enhanced by a championship golf course, a waterfront fine dining restaurant, a marina providing direct access to the Gulf of Mexico, alongside a wealth of amenities designed for an active lifestyle, your journey into Florida living starts right here! Optional Golf Club Membership as well as Marina Slips are available. Cable and intranet are included in HOA Fee. Qualified VA veterans may be able to take advantage of the 2.25% VA Assumable Mortgage
Source: STELLAR #a4610434
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4610434
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #a4610434
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.