5352 Fairfield Blvd, Bradenton, FL 34203
2 beds · 2 baths · 1,524 sqft sqft
**THIS PROPERTY QUALIFIES FOR A 1.5% LENDER INCENTIVE IF USING PREFERRED LENDER. INQUIRE FOR MORE DETAILS.** Welcome to this elegant villa in the gated community of Fairfield, a sought-after Neal Community. Recently updated with a new HVAC system and water heater in 2024, this Tidewater plan offers lasting peace of mind. Inside, the villa features 2 bedrooms, 2 bathrooms, and a versatile den. A standout feature is the newly completed Florida room, which expands the living space and showcases two walls of impact-resistant windows with a transferable lifetime warranty—inviting the outdoors in while ensuring year-round durability. Outside, an extended paver patio creates an inviting space for relaxation or outdoor gatherings. Elegance flows throughout the home, highlighted by high ceilings with crown molding, plantation shutters, and a beautifully designed kitchen with stainless steel appliances, including a gas range, a generous island with a breakfast bar, and a pantry. The family room, adorned with a decorative ceiling, is bathed in natural light, enhancing its warm and inviting atmosphere. The primary suite is a peaceful retreat, featuring dual closets and an ensuite bathroom with dual vanities and a tile walk-in shower. At the front of the villa, the second bedroom and bathroom offer privacy, while the den, tucked behind French doors, provides the opportunity to tailor the space to suit your needs. Located just across from the community pool, you can enjoy sunbathing or a refreshing swim with ease. Fairfield offers a host of amenities with a low quarterly HOA and NO CDD fees, covering lawn maintenance, exterior painting, and roofing. Residents enjoy a clubhouse with a fitness center, library, pool, spa, and grilling area—ideal for an active lifestyle. Perfectly positioned between I-75 and US-301, this villa offers unparalleled access to Lakewood Ranch, UTC, Downtown Bradenton, Sarasota, SRQ International Airport, and the stunning Gulf beaches, placing the best of the area within minutes.
Source: STELLAR #a4628339
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4628339
Source: Public records
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: #a4628339
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.