4332 Lamson Ave, Spring Hill, FL 34608
3 beds · 3 baths · 2,356 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Stunning 3-bedroom, plus office/flex room, 2.5-bathroom 2-story home situated on an oversized .32 acre lot, offering nearly 2,400 SF of living space in a prime Spring Hill location. This well-maintained home features crown moulding throughout and boasts a brand-new roof (only 2 years old) along with new gutters, 4-year-old A/C unit and recently painted exterior. The oversized 2.5-car garage provides ample storage, while the added sunroom with real windows and a wall unit A/C offers a relaxing retreat. The spacious floor plan includes 3 bedrooms upstairs, plus a versatile office/flex room downstairs. Entertain in the separate dining room or relax in the kitchen/family room combo. The chef-inspired kitchen features granite countertops, tile flooring, stainless steel appliances, a center island, and a stylish tile backsplash, with a sliding door leading to the screened-in pool area with lanai—perfect for outdoor gatherings. Upstairs, you'll find a loft area ideal for additional living space, and the generously sized primary suite with an ensuite bath offering a soaking tub and separate shower. The guest rooms are also nicely sized, ensuring plenty of space for family or guests. Enjoy the Florida lifestyle with your private pool, and appreciate the added value of this oversized lot. Prime location with minutes to shopping, dining, and easy access to the Suncoast Parkway. Don’t miss this opportunity to own a beautifully appointed home in a fantastic Spring Hill neighborhood.
Source: STELLAR #W7871646
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 #W7871646
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.