2439 Hopespring Loop, The Villages, FL 32162
3 beds · 2 baths · 1,522 sqft

Get a free consultation call with an expert in the mortgage assumption process.
*Smart Location* Total Privacy* Front & Rear Patios* Oversized Garage* Whole Home Water Softener* Well Maintained Neighborhood* Nestled in the highly sought-after Village of St. James, this Seabreeze floorplan Cottage style home offers the perfect blend of comfort, style, and location in one of the most desirable areas of The Villages, Florida. With 3 spacious bedrooms, 2 modern bathrooms, and 1,522 square feet of living space (not including the expansive glass-enclosed and air-conditioned lanai), this home is ideal for those seeking a vibrant, yet peaceful lifestyle. Built in 2011, this beautifully maintained home features premium upgrades throughout, including fresh paint, top-of-the-line appliances, luxury vinyl plank flooring, and more. Enjoy the spacious oversized garage, perfect for extra storage and equipped with a retractable mechanical garage screen for added convenience. Step inside, and you’ll find an open, airy layout with a gorgeous glass-enclosed lanai that offers the perfect place to relax or entertain. With a tongue and groove ceiling, mini-split A/C unit, and motorized privacy sun shades, this room is a true sanctuary, keeping you cool and comfortable while providing privacy at the touch of a button. For those who love outdoor living, the home features a completely private rear patio, ideal for grilling, dining, or simply unwinding. The masonry villa wall ensures your backyard is a peaceful retreat, free from outside distractions. The home has been meticulously cared for, including a replaced HVAC system in 2021, a whole-home water softener, and a extra garage sub-zero refrigerator/freezer that will convey with the property. Whether you're enjoying a sunny day on your front or rear patio, or retreating to the comfort of your air-conditioned space, this home provides all the amenities you need for fun in the sun and relaxation. Don’t miss out on this rare opportunity to own a home in such a prime location in The Villages. Schedule your private tour today and experience everything this stunning Seabreeze model has to offer! Schedule your showing today! - FIRE DISTRICT 320.71 PER YEAR, - UNIT MAINTENANCE - $598.76 PER YEAR, YEARLY BOND PAYMENT $1,356.18 - MONTHLY AMENITIES FEE $199 - REMAINING BOND BALANCE - $14,525.85 - BUYERS AGENT TO VERIFY ALL INFORMATION - ASSUMABLE VA MORGAGE 2.5%
Source: STELLAR #OM698778
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 #OM698778
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.
