2609 65th St E, Bradenton, FL 34208
4 beds · 3 baths · 2,158 sqft
Welcome to your dream home in Bradenton! This stunning 4-bedroom, 3-bathroom home is set on a generous 1.37-acre lot, featuring an open concept layout ideal for both everyday living and entertaining. As you step inside, you'll be greeted by the living room, dining room and kitchen - a seamless flow from room to room. The expansive living area serves as the heart of the home. A unique feature is the presence of not one, but two primary suites, providing flexibility and comfort for guests or multi-generational living. The additional primary suite acts as a private oasis, complete with a convenient kitchenette. Both suites are designed with relaxation in mind, offering spacious layouts and beautifully updated en-suite bathrooms, ensuring a comfortable retreat for everyone. A tankless water heater, and whole home water filtration system add to the efficiency of the home and the seller will pay off the solar panels! Outside, you will find your own private sanctuary. The expansive 1.37-acre lot offers immense green space that is perfect for outdoor activities, gardening, or simply enjoying the serenity of nature. The property is well-positioned to provide excellent privacy, creating a peaceful retreat from the hustle and bustle of daily life. No HOA and No CDD. Location is key, and this home truly delivers. It is conveniently located near a variety of shops and restaurants, meaning you will have everything you need just a short drive away. Quick access to major highways allows for easy commutes and the opportunity to explore the surrounding areas with ease.
Source: STELLAR #TB8334818
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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.
Source: Public records
Source: STELLAR #TB8334818
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.