19065 Malinche Loop
Spring Hill, FL 34610
5 beds · 3 baths · 3,531 sqft
$587,000
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STUNNING 2018 Sonoma floor plan by M/I Homes, offering nearly 3,531 sqft in the highly sought-after Talavera Subdivision! Built-in 2018, this SPACIOUS 5-bedroom, 3-bathroom home has it all, including a three-car garage with plenty of room for vehicles, bikes, and sports gear. As you approach the home, you're greeted by a charming front entrance adorned with beautiful landscaping. Step inside to find an open-concept family room filled with natural light, the perfect place to unwind and relax with loved ones. The home is enhanced with full lighting and a ceiling fan package throughout for added comfort. On the main floor, you'll find a cozy guest bedroom, which can easily be transformed into a home office, gym, or creative space. The elegant laminate flooring extends through the first floor, up the stairs, and partially throughout the second floor, providing a seamless flow. The heart of the home is the gourmet kitchen, boasting a spacious island, high-end stainless steel appliances (including a newer fridge), stylish pendant lighting, and a modern backsplash. With tons of cabinet space, upper cabinets, and a closet pantry, storage is no issue. The adjoining dinette area opens up through sliding glass doors to the large, fully fenced yard—an ideal spot to create your own pool and private oasis. Upstairs, you'll find an inviting loft area, perfect for a home theater, playroom, or whatever your heart desires. The oversized primary bedroom offers a retreat-like feel with a spacious walk-in closet, and the en-suite bathroom features dual vanities for added luxury. Three additional bedrooms upstairs are well-sized with excellent closet space. With two energy-efficient AC units, a large laundry room, and a family-friendly layout, this home is move-in ready! This family-friendly home is move-in ready, set in a community that includes resort-style amenities such as a splash pad, pool, basketball court, playground, tennis and pickleball courts, and a clubhouse. All facilities are fenced, with a key-pass entry for added security. Located just north of US 41 and SR 52, this property provides easy access to major highways, including I-75 and the Suncoast Parkway. Video tour: https://www.youtube.com/watch?v=ja_Xw0BxhFg
Source: STELLAR #TB8308807
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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.
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