1252 Old Windsor Way, Spring Hill, FL 34609
3 beds · 2 baths · 2,185 sqft sqft
This spacious 3-bedroom, 2-bathroom home is designed for comfortable family living. The large family room offers plenty of space for relaxation and gatherings, while an additional living room provides even more room to spread out—perfect for a media room, play area, or quiet retreat. The versatile bonus room offers endless possibilities—whether you need an office, playroom, or extra living space. The open floor plan creates a bright and inviting atmosphere, with a large kitchen island ideal for meal prep, casual dining, and entertaining. Custom-installed TVs throughout add a touch of luxury, and the backyard is perfect for hosting, complete with a relaxing hot tub. The home, just 3 years old, features 8-foot doors, a generously sized primary bedroom with a large walk-in closet, and a luxurious ensuite primary bathroom with a large shower. With plenty of additional closets for storage throughout, you’ll never be short on space. The large pantry offers ample room for organizing your kitchen essentials. A convenient indoor laundry room adds practicality, and the two-car garage provides plenty of storage and parking. Located in a great school district, this home is within reach of excellent educational options, including the highly regarded Nature Coast Technical High School. Whether hosting family, accommodating extended loved ones, or enjoying the great community, this home is built for comfort, flexibility, and convenience.
Source: STELLAR #tb8319794
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8319794
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: #tb8319794
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.