4093 Autumn Amber Dr, Spring Hill, FL 34609
5 beds · 3 baths · 2,604 sqft
Welcome to this LIKE-NEW DR Horton home, built in 2022, featuring the versatile Hayden floor plan with 5 BEDROOMS AND 3 FULL BATHS. This stunning two-story residence offers an open-concept design and TWO flexible living areas, perfect for modern lifestyles. Enter into the foyer where to your left is a flex room with ample natural light. Continue into the expansive kitchen with beautiful GRANITE countertops, a large central island, and sizeable pantry. The kitchen seamlessly flows into the dining area. The sliding glass doors open to a patio and a partially fenced backyard. The bedroom on this level is located near a full bathroom, providing flexibility for guests or multi-generational living. Upstairs, the luxurious primary suite includes an en-suite bathroom with a double vanity, granite countertops, a LARGE SHOWER and two generously sized walk-in closets. A versatile loft or flex room separates the primary suite from the three additional carpeted bedrooms with each having access to a second full bathroom. The thoughtfully designed layout ensures that whether you need bedrooms, home offices, or workout spaces, this home has the room to accommodate your needs. The laundry room is also conveniently located on the second floor, making household chores a breeze. With a two-car garage and modern finishes throughout, this home is move-in ready and waiting for you! Barrington at Sterling Hill is a gated community within the highly sought-after Sterling Hill neighborhood, where residents enjoy a wealth of amenities designed for a vibrant lifestyle. Sterling Hill offers not one, but two pools for leisurely swims, a splash pad, two playgrounds and courts for both volleyball and basketball, ensuring endless opportunities for outdoor fun. Additionally, there's a splash pad for cooling off on hot days, a dog park and fully-equipped gyms to meet all your fitness needs. This community truly has something for everyone!
Source: STELLAR #w7868143
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #w7868143
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: #w7868143
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.