5322 Braddock Dr, Zephyrhills, FL 33541
4 beds · 2 baths · 2,089 sqft
ASSUMABLE VA LOAN AT 4.75% FIXED RATE!!! Don’t miss your chance to own this beautifully maintained 4-bedroom, 2-bathroom home in the desirable Lake Bernadette community. As you enter, you’re greeted by a spacious formal living and dining room combo, offering endless possibilities—whether you envision a formal living area, a dining room, a home office, an exercise space, or even a home school area. The open floor plan seamlessly connects the kitchen, featuring newer appliances, to the expansive family room, creating the perfect space for both relaxation and entertaining. Sliding glass doors open to a cozy patio area that overlooks a serene, wooded space, providing a private buffer between your home and the golf course. Inside, you'll find luxury vinyl plank and ceramic tile throughout most of the home, with soft, plush carpeting in the bedrooms. Recent updates include a new roof (2020), new AC (2020), new washer and dryer (2022), and new kitchen appliances including the refrigerator, dishwasher, and microwave (all 2020). The home has also been freshly painted inside (2022) and out (2020), ensuring a bright and welcoming atmosphere. Lake Bernadette offers a low HOA fee, which includes trash pickup, as well as fantastic amenities including a recently remodeled clubhouse, two community pools, a fitness room, tennis courts, a basketball court, and a playground. For golf enthusiasts, The Links of Lake Bernadette features a championship 18-hole golf course that’s open to the public, with memberships available. Conveniently located near schools, shopping, dining, and hospitals, this home also boasts a fenced-in backyard, a remodeled guest bathroom (2025), new carpeting (2022), and fresh rock landscaping for low-maintenance outdoor living. This move-in-ready home is truly a must-see—schedule your showing today!
Source: STELLAR #TB8371260
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 #TB8371260
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 of Equal Opportunity Act.