12563 Gulliver Rd, Spring Hill, FL 34609
4 beds · 3 baths · 2,166 sqft
One or more photo(s) has been virtually staged. Welcome to this beautifully renovated 4-bedroom, 3-bathroom home, nestled on a spacious oversized corner lot in one of Spring Hill’s most sought-after neighborhoods. With over 2,000 square feet of living space, this home combines style, comfort, and functionality in a way you have to see to believe. As you step inside, you’ll be greeted by brand new LVP flooring that flows seamlessly throughout the entire home, paired with soaring ceilings and an abundance of natural light—including skylights that brighten the entire space. The open-concept layout offers generous living areas, starting with a formal dining room, a gourmet kitchen with plenty of counter space, and a cozy breakfast nook that transitions into the spacious living room. Perfect for both entertaining and everyday living! The home features great-sized rooms throughout, including a massive primary bedroom that provides the perfect retreat. With sliding doors that open onto your covered porch, this private oasis is complete with a walk-in closet and an exceptional ensuite bathroom boasting luxurious finishes that feel like a spa. Each of the other bathrooms is equally impressive, with sleek, modern fixtures and beautiful design elements. Outdoor living is just as remarkable, with the oversized corner lot offering endless possibilities. The large covered porch is perfect for adding seating to enjoy the fresh air, outdoor dining, or even a pool table for some fun under the stars. Beyond the 2-car garage, you'll also find an outdoor shed for additional storage. For your peace of mind, the home comes with newer major systems including a roof (2018), HVAC (2016), and water heater (2019), ensuring years of worry-free living. Located in a prime area, you’re just minutes away from top-tier restaurants, shopping centers, and everything you could need. Whether you're looking for a move-in-ready family home or a serene retreat with ample space, this one has it all. Don’t miss out on this incredible opportunity—schedule a showing today and experience it for yourself!
Source: STELLAR #tb8326442
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8326442
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: #tb8326442