4012 Beaumont Loop, Spring Hill, FL 34609
4 beds · 2 baths · 1,872 sqft
Welcome to 4012 Beaumont Loop, Spring Hill, FL! This beautifully updated 4-bedroom, 2-bathroom home is move-in ready and offers a fantastic opportunity for comfortable living. The new roof (installed at the end of November 2024) offers peace of mind, ensuring the home is well-protected for years to come. Step inside and feel at home with the formal living room and dining room perfect for gatherings and entertaining guests. As you move forward, the open-concept floor plan seamlessly blends living, dining, and kitchen spaces—ideal for everyday living and relaxing. The kitchen is equipped with plenty of white cabinetry and granite counter space, making it ideal for preparing meals and storing kitchen essentials. On both sides of the refrigerator and under the sink, you will find extra drawers for convenience and storage. The home boasts newer (2019) Premium Laminate Flooring (Pergo Outlast + with Spill Protect) flooring throughout most of it, offering a sleek, modern look while being easy to maintain. You'll appreciate not having carpet anywhere. The spacious owners’ bedroom features an en-suite bathroom with a large tub, separate shower and dual sinks. The three additional bedrooms provide ample space for family, guests or a home office. You’ll also find a recently renovated (2022) second bathroom with beautiful finishes and a walk-in shower. The partially fenced large backyard provides plenty of room for outdoor activities, gardening, or future plans for a pool or entertainment. A/C was replaced in 2019 and a hybrid (solar/ electric) water heater was installed in 2018. Located in a gated and friendly neighborhood, this home is conveniently close to local schools, shopping centers, and parks. The community features 2 pools, a playground, basketball court, a tennis court and great areas to walk and jog. Don't miss your chance to own this beautifully updated home—schedule a showing today!
Source: STELLAR #tb8327236
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8327236
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: #tb8327236
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.