5435 BRADDOCK DR, Zephyrhills, FL 33541
When you become a resident of the Lake Bernadette community, you will be surrounded by the 18-hole golf course and have access to the community pool and tennis and pickle courts, playgrounds, and basketball courts. This lovingly maintained 4BR/2BA home with 2304 sqft of heated and cooled living space and 3 car garage will not disappoint. You enter the home through the large, open foyer into the living room/dining room area with high ceilings, plush carpet and ceiling fan. The well-appointed kitchen has been upgraded with SS appliances, new disposal in 2024, has plenty of cupboards and counter space with the addition of a center island with breakfast bar and eat-in area. Open to the family room with tray ceilings, ceiling fan and sliders to the screened in lanai, this space lends itself nicely to ease of entertaining family and friends. Your private backyard oasis is made possible by a low maintenance vinyl fence. What a great space to let Fido or Fluffy run freely or watch your kiddos play safely as you relax in your enclosed lanai. If you have family members in another area of the home, you can summon them to dinner with the convenience of the whole-home intercom system. You can retire for the evening in your large owner's suite with large walk-in closet, plush carpet and ensuite bathroom with dual vanity, tiled shower and separate tub to soak away the stress of the day. Bedrooms two through four are all nicely sized for queen size beds, ceiling fans and big built-in closets. The guest bathroom is conveniently located adjacent to these bedrooms with ceramic tile floor updated high commodes and tub/shower combo. The laundry room is also located off the hallway to the bedrooms and comes with washer/dryer and a utility sink. Access to the 3 car garage is obtained through the laundry area. Both garage doors have automatic openers with a new opener recently on the bigger door. No need to worry about the roof. New roof installed this year. AC installed in 2023 and water heater new this year as well. Double paned windows and new front door added in 2022. This home is turn-key and move-in ready. So, what are you waiting for? Schedule your appointment today and you'll be on your way to luxury living in this beautiful community!
You may be able to put down less than the total down payment amount of $133,714 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: #t3547793
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.