4838 SAN ORTEBELLO DR, Bradenton, FL 34208
Ready to live your best “relaxed luxury” life? Welcome to the Cottages at San Casciano, where charm and comfort collide in this cozy hideaway by Rinehart Homes. Nestled on a spacious corner lot, this place is basically a hug in house form. Step inside, and bam—sunlight everywhere. It’s like the sun moved in rent-free. Your private backyard oasis (aka the fenced-in yard) is perfect for anything from chillin' to watching your kids or dogs run their own little Olympics. With 2 bedrooms and 2 full bathrooms, this home’s got practicality down pat, but with style that says, “Yeah, I’ve got it together.” The open-concept kitchen is a chef’s dream—or at least a microwave-meal enthusiast’s delight—with wood cabinets, a gas range for all your culinary escapades, a pantry (fancy!), and a breakfast bar that screams “coffee and pancakes, anyone?” Hosting a get-together? No sweat! With vaulted ceilings and vinyl plank floors that basically clean themselves (okay, not really, but close enough), you’ll be the MVP of entertaining. The master suite? It’s like your own personal retreat—with a walk-in closet big enough to hide from your responsibilities, and an ensuite that’s practically begging for long, hot showers. And thanks to the split bedroom layout, you can enjoy all the privacy you need (or deserve). This house isn’t just move-in ready—it’s move-in-and-chill ready. And guess what? No CDD fees and super low HOA fees that cover the fun stuff like cable, high-speed internet, and a playground to tire out the kiddos. From the cute front entry to the pristine yard, this house just oozes “home sweet home.” Plus, you’re conveniently close to all the good stuff—dining, shopping, entertainment, and more. Whether you’re making a mad dash to the University Town Center Mall, jet-setting from Tampa Airport, or just catching some rays at the beach, you’ve got easy access to the quintessential Florida lifestyle. But without all the hassle. So, what are you waiting for? This could be all yours—don’t miss out!
You may be able to put down less than the total down payment amount of $153,739 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #a4604172
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.