6294 Ladera Trl Milton, FL 32571
Your savings
About this home
Family-Friendly 4 Bedroom, 3.5 Bath Brick Home – Spacious, Upgraded & Move-In Ready! Welcome to The Julian – a beautifully crafted two-story, all-brick home designed with families in mind. This home offers the perfect blend of comfort, space, and functionality, with a flexible layout ideal for both everyday family life and special gatherings. From the moment you arrive, the charming front porch invites you in—perfect for morning coffee, evening chats. Inside, the open-concept living room, kitchen, and dining area create a warm, connected space ideal for family dinners, birthday parties, or holiday celebrations. The gourmet kitchen is a dream for busy parents and budding chefs alike, featuring GE stainless steel appliances, granite countertops, rich dark-stained cabinets with crown molding, and a generous pantry for all your snacks and staples. The main-floor primary suite offers a peaceful retreat with two spacious walk-in closets, a tile shower, and dual vanities—perfect for busy mornings. Upstairs, you'll find three additional bedrooms, including a Jack & Jill bathroom that’s great for siblings, plus a large bonus room perfect for a playroom, homework station, media room, or even a quiet home office. Additional interior highlights include high-volume ceilings, crown molding, recessed lighting, durable tile floors throughout, and tons of storage space. Step outside to find two covered porches and a huge fenced backyard—a safe, open space ideal for kids, pets, and weekend barbecues. A 2-car garage adds extra storage, and the sprinkler system keeps your yard green with ease. Located in the sought-after Wallace Lake K-8 and Pace High School zones, and convenient to Pensacola International Airport, three major universities, three major hospitals, navy bases and beaches. Seller's favorite feature is the two ac units which keep the house cool and the power bill manageable. This home truly has it all - make it your dream home today!
Source: PENSACOLA #668720
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.