13208 Saw Palm Creek Trl, Bradenton, FL 34211
4 beds · 3 baths · 2,340 sqft sqft
One or more photo(s) has been virtually staged. Motivated Sellers, take action to get this ideal price! Now is the time to act and make this your new home! This Lakewood Ranch property has a location, amenities, schools, and is in pristine condition. Spacious built in 2020, spans 2,340 square feet, 4 Bedrooms, 3 baths, and 3 car garage home built by Meritage Homes in the beautiful, gated, and maintenance-free community of Savanna in Lakewood Ranch! As you enter the home, you are welcomed by a large foyer to greet your guests with an easy flow to the two guest bedrooms sharing a bath featuring quartz countertops, dual sinks, tub/shower combination, and a linen closet. Then head to the conveniently separated En-suite bedroom with another walk-in closet. Towards the back of the home, you are immediately engaged in the high ceilings showcasing an open concept plan adjoined by the spacious great room, elegant kitchen, and separate dining room. The glamorous gourmet kitchen features granite countertops with hexagon backsplash, 42” cabinets with under-cabinet lighting, upgraded stainless-steel appliances, a large center island with plenty of seating room, stylish pendant light fixtures, and a large walk-in pantry closet. The tucked-away Owner’s Suite features a tray ceiling, a delightful oversized walk-in closet, a luxurious bathroom with granite countertops, dual sinks, a semi-frameless shower, and a large linen closet. This energy-efficient home provides a high-efficiency 16-seer HVAC System, spray foam insulation, HVAC filtration system, and Low-E windows which maximize your energy savings. As a bonus, the home includes smart-house features offering a low-voltage package and automation suite to control your thermostat, smart door lock, remote garage access, Video doorbell, and more! Additional features include 5 ¼” inch baseboards, a tray ceiling in the Foyer, epoxy coating on the garage floor, carpeting in bedrooms, and Luxury Vinyl floating floors for easy maintenance. Wait, there is more, the extended screened-in lanai awaits a morning coffee or evening beverage. The seller is including an existing home warranty. Even though this is the owners' primary home, they have spent a significant time traveling which means extremely low wear and tear.
Source: STELLAR #a4600744
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4600744
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: #a4600744
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.