13419 Banner Rd, Spring Hill, FL 34609
5 beds · 3 baths · 3,245 sqft
Get a free consultation call with an expert in the mortgage assumption process.
PRICE IMPROVEMENT!!! RARE FIND!!! This home comes with the lot behind it as well that has road access on Banbury Ln!! It can be one big lot for you to enjoy, you can break it off and sell it or have a family member build their dream home right behind you! The possibilities are endless. Welcome to this spacious 4-bedroom, 3-bathroom home, designed for both comfort and style. Located in the neighborhood of the 34609’s, this home offers a unique layout and exceptional features that make it perfect for modern living. The sitting room boasts an abundance of natural light with windows that create a warm and inviting atmosphere, perfect for relaxing or entertaining guests. Enjoy your own private retreat in the master area of the home, offering a peaceful and secluded space with his and her walk-in closets, and a spacious en-suite bathroom with a soaking tub for ultimate comfort. Three additional bedrooms have luxury vinyl plank flooring and are located on the opposite side of the home, each offering large closets for ample storage, ensuring everyone has their own space. There is a pocket door that can be shut if you’re entertaining, and someone needs to rest or work in one of the rooms. A beautifully added-on guest suite is the perfect retreat for visitors, complete with a private ensuite bathroom, ensuring privacy and comfort also with a large closet! The kitchen is equipped with modern appliances and a large island with sink, making meal preparation a breeze. From here, you can enjoy the view of the bay window, adding both charm and function to the heart of the home and still entertain your guests in the living room. This home offers an option for a 5th bedroom guest suite, or you can make it an office with a bathroom and back door entrance. There are endless possibilities. This home is designed with convenience in mind, offering tons of storage throughout, from additional closet space to cabinets in the kitchen island, so you’ll never run out of room. The laundry room is also equipped with a sink so if you need to presoak something before washing it you can do it in the large sink. The spacious, split-floor plan gives you the perfect amount of entertainment space and then enough space to go somewhere quiet. This home has a well-maintained interior and exterior that is move-in ready with LOTS OF NEW UPDATES!!! A/C 2018, WATER SOFTNER 2019, WATER HEATER 2023, NEW PLUMBING THROUGH OUT THE HOUSE FROM 2023, NEW KITCHEN 2024 WITH GRANITE COUNTERTOPS AND A NEW GARBAGE DISPOSAL AND ALL SMOKE DETECTORS AND CARBON MONOXIDE DETECTORS UPDATED AND HARDWIRED! Don’t miss out on this exceptional home that combines style, space, and comfort in a fantastic layout. Schedule your private tour today!
Source: STELLAR #W7872548
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #W7872548
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.