12114 Elston St Spring Hill, FL 34609
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About this home
Bring All Offers! Motivated Seller — Don’t miss this incredible opportunity to own a builder’s award-winning home showcasing the highly sought-after Islander Elite floor plan, available now for immediate occupancy. Set on an oversized 1/3-acre lot in a quiet, established neighborhood, this property offers exceptional privacy with no build behind and a beautiful wooded backdrop. Inside, you’ll find a spacious and meticulously maintained three-bedroom, two-bath split floor plan with tile flooring throughout. The open layout features both a large living room and a family room, providing ideal spaces for everyday living and entertaining. The tiled kitchen includes upgraded cabinetry, a full GE appliance package, and opens to the breakfast nook and family room—complete with a built-in entertainment center for your large-screen TV. Washer, dryer, and garage refrigerator are also included, adding extra convenience and value. For peace of mind, the home comes equipped with a Blink camera security system, including a video doorbell and four cameras—providing full exterior coverage. The owner’s suite is a true retreat, featuring a luxurious garden tub, separate walk-in shower, dual sinks, and private patio access. Expansive 10-foot sliding glass doors lead to your private backyard oasis—perfect for relaxing or entertaining, with plenty of space for a pool, garden, playset, or outdoor kitchen. This home truly has it all—space, style, comfort, security, and value. Schedule your private showing today—this one won’t last long!
Source: STELLAR #TB8435410
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.