8981 Stone Harbour Loop, Bradenton, FL 34212
2 beds · 2 baths · 1,951 sqft
Under contract-accepting backup offers. Beautiful pool home on the Heritage Harbour Golf Club 13th Fairway! Offered TURNKEY FURNISHED! Located in Stoneybrook At Heritage Harbour, this home has been updated and upgraded thru out. 2 Bedrooms, 2 Bathrooms + Study/Office! All new LVP flooring thru out! Kitchen features new white cabinets, beautiful Quartz countertops and updated appliances. There is a Breakfast Room and 2 large closet pantries in the adjacent laundry room leading to garage w/storage racks. Freshly painted inside and outside (2022). Large primary Bedroom with two closets, and re-designed en-suite Bathroom w/all new sinks, faucets, cabinets, Top-of-the-line Quartzite countertops, light fixtures and mirrors!! Beautiful shower. Home office/Study has built-in desks, shelves and cabs + a Queen-Size Murphy Bed for your guests! Open Floor plan w/dining rm, living rm and family room off the kitchen. You will love the heated pool which was resurfaced (2022), and the lanai/pool cage was re-screened (2022). The covered pool bar comes with a grill, refrigerator and 4 bar stools. New pool pump & motor, salt cell & circuit boards. (2023/24) See list of updates! ALL FURNITURE INCLUDED. Golf Membership available. Ready as a second home or rent out during season for top dollar rental income!! Championship Golf course designed by Arthur Hills. Membership is optional. Course was fully renovated within the last two years and is in tip top condition. There is also a driving range and practice areas. The Golf Club restaurant & bar are open to the public year round. Stoneybrook Amenity Center features Club House, Resort-Style heated community Pool, 24/7 Fitness Ctr, Tennis, Pickleball, Beach Volley Ball, Basketball, Dog parks, picnic areas, fishing pier and much more. Convenient to a large variety of great Restaurants, Costco, Beautiful Beaches, I75 and State Road 64. Call today!! Owner is licensed Realtor.
Source: STELLAR #a4617438
Source: STELLAR #a4617438
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: #a4617438