4838 San Ortebello Dr, Bradenton, FL 34208
2 beds · 2 baths · 1,161 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your sunlit sanctuary in the heart of Bradenton! This charming 2-bedroom, 2-bathroom Craftsman-style single-family home, built in 2013, had NO DAMAGE FROM THE RECENT HURRICANES, and offers comfortable, low-maintenance living on a desirable corner lot in the peaceful Cottages at San Casciano community. Step inside to discover beautifully updated wood-look floors that flow seamlessly through the open-concept living and dining areas, creating a warm, inviting space that's perfect for entertaining. The generously sized kitchen is a delight, featuring a gas stove, large pantry, and abundant counter space for meal prep and hosting. Sliding glass doors extend the living space outdoors, opening to a private, fenced backyard with a patio ideal for al fresco dining or relaxing in the Florida sunshine. The spacious primary suite offers a peaceful retreat, complete with a large walk-in closet, and an ensuite bathroom featuring a good sized vanity and walk-in shower. The split-bedroom design enhances privacy, with the second bedroom and a full guest bath—featuring a tub/shower combination—located on the opposite side of the home. Enjoy the Florida lifestyle with a fenced backyard perfect for lounging, gardening, or entertaining guests. The HOA includes Internet and Cable, and the community offers a playground, ideal for families and neighborly connection. Additional highlights include a 2-car attached garage, hurricane shutters, and a tranquil setting just minutes from everything Bradenton has to offer. Located only 30 minutes from the stunning beaches of Anna Maria Island, Sarasota, Longboat Key, and Siesta Key, and just minutes from shopping, dining, and entertainment at University Town Center. SRQ Airport is conveniently located about 12 miles away, making travel a breeze. Don’t miss this opportunity to own a beautiful, move-in-ready home that combines charm, convenience, and the best of the Florida lifestyle!
Source: STELLAR #A4649812
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 #A4649812
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 and Equal Opportunity Act.