2240 Gold Rd, Spring Hill, FL 34609
5 beds · 3 baths · 2,858 sqft
Upon entering this wonderful two-story house, be prepared to make it your home. As you enter the foyer of your new home, you have a spacious dining area that you could make a living room. There is a flex room that could be a fifth bedroom / in-law suite on the lower level, or if you need a home office or gym that leads to the outside - the possibilities are endless. You have a half bath and laundry room with extra shelving on the main level. The kitchen is spacious with more than enough natural light and dual sinks, with one in the island that you would use while prepping meals. Plenty of storage with two pantry closets and an abundance of counter space. You have plenty of room for the kitchen table in front of the sliding glass door which leads into the family room. At the top of the stairs is a large loft area that could be used as a family room or office which has a lots windows. Oversized main bedroom includes a fabulous bathroom which will become your oasis away from the hustle and bustle as you enjoy a soak in the tub or shower with water coming from every direction. It also comprises two walk-in closets. Second bedroom is large and has an extra-long closet and ceiling fan. Two additional sizeable bedrooms finish the upstairs with a full hallway bathroom with double sinks. Screened-in under roof lanai overlooking yard. Park your rv, trailer and trucks from your business in the backyard as no hoa. The driveway can fit ten plus cars, and you have a two-car garage for storage. Super Special feature is SOLAR PANELS owned free and clear which means NO large monthly fee and super cheap electric bill monthly for you. Centrally located close to the Veterans Expressway which gives you quicker access to all towns in the Greater Tampa area. Tampa is only forty minutes away with theme parks, museums, cruise ships, plays and a “night out on the town.” Clearwater area has several teams that call it home for spring training and Clearwater Beach boasts some of the Best Beaches in the world. Orlando is one hundred minutes away, which is close enough to go for the day or stay for a few days. The best theme parks and water parks in the world. You will be the envy of your friends and family out of state. Hernando County has a lot to offer for everyone relocating to the area. Shopping, restaurants, numerous springs for fishing, kayaking, boating and endless great outdoor activities. Some of the local favorites are Weeki Wachee Springs to see manatees, Rogers Park for the sunsets, and Pine Island to put your feet in the sand at the beach. First Time Home Buyers Programs & Grants Available so confirm with mortgage company for qualifications. View home every day until SOLD!! Call to schedule your appt today to see it.
Source: STELLAR #w7867234
Source: STELLAR #w7867234
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: #w7867234
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.