Welcome to Talavera - where elegance, comfort, and modern living meet. Nestled in the heart of Spring Hill, this stunning 5-bedroom, 3-bath home with a 3-car garage, built in 2018 and offers 3,292 square feet of thoughtfully designed living space. Every detail blends functionality with timeless sophistication. From the moment you arrive, you’re greeted by two mature Italian Cypress trees that frame the entrance and create a grand first impression. Step inside to discover beautiful herringbone-pattern real hardwood flooring flowing throughout the main living areas, setting a tone of refined craftsmanship and warmth. The open-concept living room is ideal for entertaining or relaxed family gatherings. At the heart of the home, the chef’s kitchen features a large center island illuminated by custom Tela pendants, modern cabinetry, premium finishes, and a walk-in pantry - the perfect blend of style and practicality. A spacious first-floor bedroom and full bath provide flexibility for guests, in-laws, or a private home office. Upstairs, the primary suite is a true retreat—bright, airy, and complete with a luxurious en-suite bath and his and hers generous closet space. You’ll also find three additional bedrooms, a second full bath, and a versatile loft area, perfect for movie nights, a home gym, or creative space. Enjoy tranquil mornings and peaceful evenings with beautiful pond views right from your backyard - your own private escape surrounded by nature and serenity. For peace of mind, the home is equipped with hurricane shutters and leaf-guard gutters. Enjoy quick travel southwest to the Gulf beaches and east to the many recreational destinations of Tampa Bay and Orlando. Situated in the golf cart–friendly community of Talavera, residents enjoy wide sidewalks for walking, jogging, and biking, as well as sought after resort style amenities including a community pool, splash pad, playgrounds, multiple courts, and even weekend food trucks that bring neighbors together. Zoned for top-rated schools, including Land O’ Lakes High School—known for its strong college preparatory International Baccalaureate (IB) program and academic rating—this home is ideal. Experience the best of modern Florida living - make this exceptional Talavera residence your next home.
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.
