3900 Autumn Amber Dr, Spring Hill, FL 34609
4 beds · 2 baths · 1,811 sqft sqft
Built in 2022 and move-in ready, make this 4 bd, 2 ba, 2-car garage home located in a gate-controlled community an excellent option for your new forever Home. Great floorplan with lots of pantry and closet spaces. The Sterling Hills neighborhood offers two community pools and a playground area. The 34609 zip code is much sought after in the Spring Hill area, close to all shopping and hospitals plus quick commute to the Veterans Expressway and down to Tampa & Saint Pete airports. The backyard is partially fenced, just add your own side gates. VA assumable loan option. Make this your own Florida tropical getaway with great tourist attractions all nearby. Located on the west coast of central Florida and just minutes from the Gulf of Mexico waters known for famous tarpon fishing, sponge docks, and scalloping. Did I mention all the one-tank trip options to places like #1 Voted World Famous Clearwater Beach and Saint Pete Pier, Buccaneer Bay and Weeki Wachee Springs water park home of the Mermaids with river access for kayaking and tubing, this area has miles of bike trails, horseback riding and motocross, and lots of golfing options nearby plus all the US 19 shopping, restaurants and medical. Plus quick commute to central Florida theme parks and Tampa area cruise ship ports, theatres, and museums, plus major league and college sporting events. Come live the Florida lifestyle!
Source: STELLAR #tb8310087
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8310087
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #tb8310087
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.