4838 San Ortebello Dr, Bradenton, FL 34208
2 beds · 2 baths · 1,161 sqft
No repairs needed after Hurricane Milton! Nestled in a vibrant, sun-drenched Bradenton community, this charming corner-lot home radiates that relaxed Florida lifestyle you’ve been dreaming of. Inside, you're greeted by beautifully updated wood vinyl floors that add warmth and durability, seamlessly flowing through the sunlit rooms and enhancing each space with a fresh, inviting feel. These floors bring a touch of elegance and comfort, ideal for those barefoot mornings spent sipping coffee, as well as easy cleanup after a day spent outdoors. Escape to the spacious primary suite, where a serene ambiance awaits. The ensuite bathroom is a true haven, featuring a large walk-in shower, ample counter space, and all the comforts you crave after a day in the Florida sun. It’s your personal spa-like retreat, perfect for long, hot showers or getting ready for an evening out. The community adds even more appeal, with Internet and Cable included in the HOA. Its own playground—a delightful outdoor escape for families or friends. Here, little ones can enjoy endless playtime under sunny skies, creating an ideal balance between relaxation at home and community fun. Imagine mornings bathed in golden rays, afternoons unwinding on your sun-kissed patio, and evenings spent in the privacy of your fenced backyard. With beaches just 30 minutes away, along with nearby restaurants, shopping, and all the easy-going charm that makes Florida famous, this home captures the perfect blend of breezy coastal living and cozy comforts. It’s more than a place to live—it’s your very own sunlit sanctuary in the heart of the Sunshine State.
Source: STELLAR #A4627322
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #A4627322
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.