Welcome to your dream pool home in one of Spring Hill’s most desirable gated communities, Pristine Place! This beautifully upgraded 4-bedroom, 2-bath home offers an exceptional blend of elegance, comfort, and functionality—once you step inside, you may never want to leave. The home boasts exquisite curb appeal with a newer roof (2017), brick paver walkway, and matching paver pool deck. Through the newer double entry doors with smart-lock technology, discover a thoughtfully designed split-bedroom floor plan enhanced by neutral finishes, decorator lighting, tinted windows, and stylish vinyl and tile flooring. The formal living and dining areas feature a custom wood-look tile inlay and double tray ceiling, adding a refined touch. A stunning wine bar with coordinating finishes and a wine fridge elevates the dining space. The completely remodeled kitchen will impress any chef with its high-end wood cabinetry, granite countertops, farmhouse sink, and newer stainless steel appliances, including a brand-new Samsung air-fryer glass top range. The spacious family room provides the perfect place to relax with a gas fireplace and built-in shelving. Retreat to the luxurious primary suite with a sitting area, his-and-hers walk-in closets, and a spa-like ensuite featuring dual vanities, a jetted soaking tub, separate shower, and elegant glass block details. Three additional generously sized guest bedrooms offer comfort for family or visitors. Step outside to your private oasis! The expansive lanai features a tongue-and-groove ceiling and a fully equipped outdoor kitchen with Blaze stainless steel appliances, flat-top griddle, refrigerator, and ice chest. The Diamond Bright Bahama Blue resurfaced pool (saltwater converted in 2020) showcases nebula lighting, a waterfall, and a newer pool motor. Just beyond the screened enclosure, enjoy evenings by the firepit overlooking the fenced backyard. Pristine Place offers resort-style amenities, including a clubhouse, community pool, fitness center, playground, and library. Conveniently located near the Suncoast Parkway for quick travel to Tampa and TPA Airport. Veterans Memorial Park, Anderson Snow Park, Weeki Wachee Springs, Pine Island, and Roger’s Park are all minutes away. This is a must-see home—schedule your private showing today!
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
