257 Cape Harbour Loop # 107, Bradenton, FL 34212
3 beds · 3 baths · 1,200 sqft
Welcome to Lighthouse Cove at Heritage Harbour in Bradenton, Florida! This delightful 3-bedroom, 2.5-bathroom corner unit townhome offers the perfect blend of comfort and convenience, whether you're looking for a smart investment or a place to call home. The main level features inviting common areas, including a bright dining space and a kitchen with a convenient pass-through, perfect for casual dining or entertaining. A half bathroom and a laundry area are also located on the ground floor, ensuring easy and convenient access for guests and daily chores. Upstairs, you'll find all three bedrooms, each thoughtfully designed for comfort. The spacious primary bedroom boasts an en-suite bathroom and is generously sized to accommodate a king-sized bed. The additional two bedrooms are served by a well-appointed second bathroom. One of the standout features of this townhome is its prime location within the community—just steps away from the pool. Imagine enjoying a refreshing swim or lounging poolside on sunny Florida days without the hassle of a long walk or drive. Lighthouse Cove at Heritage Harbour is a sought-after community known for its well-maintained amenities, including walking trails, parks, and easy access to I-75, making your commute a breeze. Don't miss out on this exceptional opportunity to own a corner unit in one of Bradenton's most desirable communities!
Source: STELLAR #u8253383
Source: STELLAR #u8253383
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: #u8253383