13267 Linzia Ln, Spring Hill, FL 34609
4 beds · 3 baths · 3,051 sqft sqft
This former model home has many upgrades and sits on a spacious lot located in the beautiful, gated community of Pristine Place! This home is very close to the community clubhouse, swimming pool and other amenities. Enter home through welcoming glass doors and foyer that opens to formal living/dining rooms. The triple split floor plan has 4 bedrooms, 3 baths and 3-car garage. Entertain, relax, exercise and enjoy the BONUS ROOM/Loft upstairs. This home is very open and bright with soaring ceilings throughout. The large master bedroom has plenty of room for a king size bed and furnishings, sliding door that leads to the lanai area and dual walk-in closets. The master bath has separate shower, garden tub and dual sinks. Come home and prepare dinner quickly and efficiently in this functionally designed Kitchen with huge walk-in pantry and lots of storage. Separate dinette perfect for morning coffee overlooking the yard. The kitchen has been renovated with new counter tops and cabinet refacing. New appliances and smart lighting have been added. The lanai has been screened in and the floors re-finished. The two guest baths have been renovated with cosmetic items. This beautiful, upscale community is truly the gem of Spring Hill, and includes a large community pool, playground, clubhouse, tennis courts, fitness center and clubs to join. Minutes to Veterans Expressway and short distance to Challenger K-8 Math & Science Academy. Come see this home today!
Source: STELLAR #tb8312907
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8312907
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: #tb8312907
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