8981 STONE HARBOUR LOOP, Bradenton, FL 34212
Beautiful pool home on the Heritage Harbour Golf Club 13th Fairway! Offered TURNKEY FURNISHED + FULL GOLF MEMBERSHIP!! 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. 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! FURNITURE INCLUDED. 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, tennis, pickleball, beach volley ball, basketball, dog parks, picnic areas, fishing pier and much more. Convenient to Restaurants, Costco, Beautiful Beaches, I75 and state road 64. Call today!! Owner is licensed Realtor.
You may be able to put down less than the total down payment amount of $302,400 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: #a4617438