9930 Santa Barbara Ct, Howey In The Hills, FL 34737
3 beds · 2 baths · 1,885 sqft
Get a free consultation call with an expert in the mortgage assumption process.
One or more photo(s) has been virtually staged. Experience golf and resort living at its finest in the exclusive gated neighborhood of Las Colinas, nestled within the prestigious Mission Resort + Club community. This stunning Spanish Mediterranean-style home boasts a tile roof and is situated on a spacious .44-acre lot, offering unparalleled privacy with no rear neighbors. Backing up to the Las Colinas 3rd tee box and conservation land, you’ll enjoy peaceful views and a serene setting. Inside, the home features 3 bedrooms, 2 bathrooms, and an open, inviting layout. Recent updates include fresh interior paint, new carpeting, updated light fixtures, and fans The A/C system was updated in 2023, and the kitchen appliances (range, dishwasher, and microwave) were replaced in 2020. Plus, the home is equipped with gas cooking, heating, and a water heater, while the dryer offers both gas and electric options. Ownership comes with the privilege of membership to the Mission Resort + Club, where you'll have access to world-class amenities. Either a Social or Golf Membership is required. On-site, enjoy two 18-hole championship golf courses, a community pool, tennis, pickleball, a fitness center, playground, marina, four restaurants, and a premier spa. Lawn maintenance is provided, allowing you to focus on relaxation and leisure. This beautiful home puts you about 10 minutes from area shops & restaurants, with historic lakeside towns like Mt Dora, Tavares, and Leesburg just 20 minutes away. Downtown Orlando, the airport, and all the theme parks are about 45 mins from your front door, and you can be at the beach in less than 90 minutes. This is more than just a home—it's a lifestyle. Enjoy luxury living in a golf resort community at its best!
Source: STELLAR #G5092642
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 #G5092642
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.