11293 Copley Ct Spring Hill, FL 34609
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About this home
Welcome home to this spacious home located in the desirable 55+ community of Wellington at Seven Hills in Spring Hill. Beautifully maintained, this home features the Heron model floor plan by Ryland Homes that includes vaulted ceilings throughout the home, a spacious, open concept living area, kitchen with breakfast nook, as well as a large dining room. The large kitchen has beautiful wood cabinets incl. pull-outs and soft close drawers, granite countertops, breakfast bar, and a cabinet pantry as well as closet pantry. Plus, all appliances were just replaced in 2024 with stylish slate-colored appliances! Chair rails enhance the aesthetic of the adjacent breakfast area. Kitchen opens to living area - a great layout for daily living and entertaining! Main bedroom suite includes a walk-in closet, double vanity with granite counter, relaxing garden tub and separate walk-in shower with large shower seat. Two additional bedrooms are located on the opposite side of the home, both with good-size closets. One of these bedrooms has double pocket doors offering additional functionality as den, study, or hobby room. For easy maintenance, flooring in all living areas is luxury vinyl plank or laminate wood - no carpets - bathrooms are tiled. Laundry room has a laundry sink and lots of hanging cabinets for extra storage. Glass sliders lead to the screened and covered lanai offering a comfortable outdoor spot to enjoy morning coffee or just relax. Recent upgrades include resurfaced driveway (2023), waterheater (2024), luxury vinyl plank flooring in all living areas (2023), screen doors at front entry, newer paint in living area, window tint in living room, breakfast nook, and foyer transom window. Roof was replaced in 2015 and HVAC in 2019. Buyer may be able to assume current VA Loan with low interest rate. The Wellington at Seven Hills is a gated 55+ community, centrally located with easy access to shopping, dining, medical services and hospitals, and major roadways including Suncoast Parkway for easy commute to Tampa and international airport. Community amenities include a beautiful club house with restaurant, Olympic-size pool, fitness room, meeting and computer rooms, tennis and pickle ball, and more. Nearby, enjoy the local attractions including Weeki Wachee State Park with its world famous Mermaids, Pine Island beach area, fishing piers, numerous boat ramps and kayak launch areas or take a short drive to Homosassa Springs State Park or visit Brooksville for many other activities and festivals throughout the year.
Source: STELLAR #W7877828
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FAQs
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.
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