4604 9th Ave E, Bradenton, FL 34208
3 beds · 2 baths · 1,484 sqft
Discover this charming three bedroom, two bathroom home nestled in the beautiful, tropical-feeling neighborhood of Braden River Lakes, located along the serene Braden River. Offering a split-bedroom floor plan for enhanced privacy, the property also features peaceful pond views, attracting a variety of wildlife. Inside, newer stainless steel appliances complement a large kitchen with abundant cabinetry and an eat-in breakfast nook. Natural light floods the home through numerous windows and sliding glass doors, while vinyl flooring graces the main living areas for easy maintenance. The cozy, carpeted bedrooms offer a soft start to your mornings. The expansive primary suite is a true retreat, complete with a walk-in closet and a remodeled ensuite bathroom featuring a freestanding tub, dual sinks, and a custom shower—luxury at its finest. This home offers more than just comfort inside. The home’s fenced backyard, crafted with elegant wrought iron, provides both beauty and security. Launch a kayak into the Braden River from the community's private river access, or take advantage of the community pool, tennis courts, pickleball courts, and a playground. With no CDD fees and extremely low HOA costs, this home offers exceptional value in an unbeatable location. You’ll enjoy convenient access to nearby shopping, dining, airports, and more. Make this dream home yours today!
Source: STELLAR #a4624440
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4624440
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: #a4624440
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.