404 Craft Rd, Brandon, FL 33511
3 beds · 2 baths · 1,664 sqft
One or more photo(s) has been virtually staged. Charming Country-Style Living in Brandon – No HOA .42 ACRE! Discover the perfect blend of space, comfort, and convenience in this beautiful two-story home on an oversized .42 acre, fully fenced lot in Brandon. If you’re looking for room to breathe while staying close to everything, this home delivers with its inviting layout, unique features, and country charm in Brandon! Step inside to a warm and welcoming living space, where soaring ceilings and rich Bruce Engineered Hardwood Flooring create a stylish yet cozy atmosphere. A stunning stone gas fireplace serves as the focal point of the living room, complemented by wood-paneled ceilings that add character and charm. French doors lead from the living space to the sunroom, a bright and relaxing space perfect for enjoying your morning coffee or unwinding in the evening. The thoughtfully designed kitchen is both functional and ideal for entertaining, featuring built-in chopping block countertops and a buffet pass-through to the dining room, making it easy to serve meals and gather with friends and family. Whether you're hosting a dinner party or enjoying a casual weeknight meal, this space is designed for effortless living. On the first floor, you'll find a versatile bedroom with French doors leading directly to the backyard, making it a great option for guests, a private home office, or even a playroom. A full bathroom and a laundry room are also conveniently located on the first floor, adding to the home’s functionality. Upstairs, the primary suite is a true retreat, offering plenty of space to relax and unwind. This sunny and spacious bedroom features an additional flex space—ideal for a reading nook, yoga corner, or personal lounge. The separate vanity area makes getting ready a breeze, adding an extra touch of convenience. The secondary upstairs bedroom overlooks the living area below, providing an open and inviting feel while maintaining privacy. This home is equipped with two-zoned HVAC systems, ensuring energy efficiency and comfort throughout the seasons. Outside, the expansive backyard offers endless possibilities. Whether you want to create a lush garden, add a fire pit for cozy gatherings, or simply let pets and little ones run free, you’ll love having this fully fenced private space to enjoy. A patio area provides the perfect setting for outdoor dining and relaxing, while the shed offers additional storage for tools, equipment, or hobby supplies. Located just minutes from all that Brandon has to offer, this home provides easy access to shopping and dining along Bloomingdale Avenue, as well as quick routes to US-301 and I-75, making commutes a breeze. Enjoy the best of both worlds—peaceful country-style living without sacrificing convenience. Don’t miss your chance to own this one-of-a-kind home! Schedule your showing today! * Seller will add NEW roof on by closing *
Source: STELLAR #TB8355368
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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
Source: STELLAR #TB8355368
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.