VA loan
1 of 100
VA loan
$639,000 SIGNIN

Sign in to see required down payment for the 4% rate

12338 Lavender Loop, Bradenton, FL 34212

4 beds · 3 baths · 2,238 sqft

Welcome to your dream home, nestled in the highly sought-after Grayhawk Landing, an upscale gated community known for its resort-style amenities, natural beauty, and exceptional location. This meticulously maintained 4-bedroom, 3-bathroom residence offers 2,238 square feet of thoughtfully designed living space, blending elegance and functionality. Situated on a private homesite backed by a serene wooded area, this property promises both privacy and tranquility. As you approach, you’ll be greeted by mature landscaping with custom night lighting, creating an inviting ambiance. The home’s curb appeal is further enhanced by its new roof (less than 3 years old) and freshly painted interior, setting the stage for what lies within. Step inside to discover BRAND NEW kitchen appliances and BRAND NEW tankless hot water heater, engineered hardwood floors, crown molding in the dining room, family room, and primary suite, and recessed lighting throughout. The thermal-tinted windows provide energy efficiency while allowing natural light to flood the home. The heart of this residence is the chef-inspired kitchen, featuring 42” cherry cabinets, quartz countertops, and under-cabinet lighting. The kitchen is further elevated with a stunning shiplap backsplash, matte black stainless steel appliances, and a convenient tankless water heater installed just a year ago. A disappearing corner slider seamlessly connects the indoor and outdoor spaces, inviting you to the expansive lanai. The outdoor living area is a true oasis, boasting a Pebble Tec heated swimming pool with spa, an extended pool and lanai cage, and lush landscaping. Whether you’re hosting guests or enjoying a quiet evening, this space is perfect for relaxation and entertaining. Retreat to the cozy primary suite, complete with a sitting area, tray ceiling, and plantation shutters for added elegance. The primary bathroom is a spa-like escape, featuring quartz countertops, dual vanities, and separate his-and-her closets for maximum storage. Two additional guest bedrooms share a stylishly updated bathroom, while the third bathroom serves as a convenient pool bath. Additional highlights of this home include a new HVAC system (2 years old), tankless water heater (1 year), garage storage cabinets, and a fully upgraded irrigation system to keep the landscaping pristine. With a security system in place, you can enjoy peace of mind while taking advantage of everything this property has to offer. Living in Grayhawk Landing means access to an array of world-class amenities, including two clubhouses, two resort-style pools, a fitness center, multiple playgrounds, and sports courts for tennis, pickleball, and basketball. The community also features miles of walking and biking trails, a fishing pier, and fields for soccer and baseball. With its close proximity to A-rated schools, shopping, dining, medical facilities, and award-winning Gulf Coast beaches, this home offers an unparalleled lifestyle. This exceptional home is ready to welcome you. Schedule your private showing today and experience the perfect combination of luxury, comfort, and community living in Grayhawk Landing.

Estimated
Seller's interest rate
4%
7%
Estimated
Monthly payment

$3,957
$5,129
You may also save up to $400,892 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $5,129 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
4%
Remaining term
28 yrs and 6 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$3,957
Principal & interest
$3,103
Mortgage insurance
-
Property taxes
$267
Home insurance
$580
HOA fees
$6
Utilities
Not included

Source: Public records

Home details
Size
2,238 sqft
Lot size
0.19 acres
Year built
2007
Type
Single Family Residence
HOA dues
$6.25

Source: STELLAR #A4636816

Qualify

To qualify, you must meet the current FHA or VA 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%. 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.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

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.

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.

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 620, 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.

View all FAQs
Last updated: Apr 17, 2025 07:26 am
Listing agent: Alan Atchley (941) 720-1641
Listing provided courtesy of: BETTER HOMES & GARDENS REAL ES (941) 556-9100
Details provided by STELLAR and may not match the public record.
MLS ID: #A4636816
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.