Welcome to Pristine Place, one of Spring Hill's most desirable gated communities, where comfort, privacy, and the true Florida lifestyle come together. From the moment you arrive, a sense of tranquility is palpable: quiet streets, well-maintained homes, and a secure environment that's hard to find elsewhere. Stepping through the elegant double glass doors, you'll find a light-filled interior with an open layout that feels welcoming from the first moment. Decorative molding details and spacious rooms create a warm yet elegant ambiance. The kitchen is at the heart of the home, featuring granite countertops, ample cabinetry, and a welcoming breakfast nook—perfect for starting the day calmly. It flows seamlessly into the main living area, ideal for entertaining and socializing. The family room, with its inviting fireplace, offers views of the pool, creating that indoor-outdoor connection that buyers are looking for. The master suite is designed for comfort and privacy, with direct access to the pool, a spacious walk-in closet, and a spa-like bathroom with double vanities, a garden tub, and a separate shower. The split-floor design provides added flexibility, including a private bedroom and en-suite bathroom with a pocket door, ideal for guests, family, or as a workspace. Stepping outside, the property truly shines. The screened pool, infinity spa, and lanai create a private retreat perfect for relaxing, entertaining, or enjoying the Florida lifestyle year-round. The pool's safety system adds extra peace of mind. This property inspires confidence thanks to significant improvements already made: • Completely new roof recently installed • Durastar 5-ton air conditioning system with only 1 year of use • Whole house water softener and additional system in the kitchen • Security system for doors and windows Pristine Place is a gated, regulated community, renowned for its meticulous maintenance and low HOA fees. Residents enjoy a clubhouse, community pool, fitness center, and walkable streets, making it one of the most stable and desirable areas in Spring Hill. The location is another great benefit: • Approximately 5–10 minutes from shops, supermarkets and restaurants • Close to hospitals and medical services • Quick access to Suncoast Parkway for easy travel to Tampa and Clearwater • About 10–15 minutes from Weeki Wachee Springs, ideal for kayaking and nature • Approximately 20–25 minutes from Pine Island Beach, with access to the Gulf This property offers more than just features; it offers a lifestyle experience: security, comfort, and convenience in a prime location. Homes in gated communities with these amenities and lifestyle tend to stand out quickly. Don't miss out on the opportunity to schedule your exclusive tour and uncover all the amazing features of this home. Home has video / audio cameras inside 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.
