3900 Autumn Amber Dr, Spring Hill, FL 34609
4 beds · 2 baths · 1,811 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.
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: #tb8310087
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.