13377 Elise Ln Spring Hill, FL 34609
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About this home
One or more photo(s) has been virtually staged. HARD-TO-FIND 3-BEDROOM POOL HOME ON A HALF-ACRE LOT - FENCED BACKYARD, LOW HOA, AND PRIME SPRING HILL LOCATION! Welcome to 13377 Elise Ln—a rare find in today's market! This 3-BEDROOM, 2-BATHROOM, 2-CAR SIDE-ENTRY GARAGE home sits on a LARGE HALF-ACRE LOT in a beautiful deed-restricted community with sidewalks, mature landscaping, and well-kept larger homes. With a LOW HOA of just 50 annually, you'll enjoy the benefits of a neighborhood without breaking the bank. Step inside and you'll immediately notice—NO CARPET ANYWHERE! The split floor plan makes everyday living easy, with the spacious primary suite tucked away for privacy. The primary bathroom is designed for comfort, featuring HIS & HERS CLOSETS, DOUBLE SINKS, and a GARDEN TUB—the perfect spot to unwind at the end of the day. On the opposite side of the home, you'll find two generously sized guest bedrooms, both with WALK-IN CLOSETS, sharing a full guest bath that also serves as a POOL BATH for convenience. The heart of the home is the open living area that flows right out to the SCREEN-ENCLOSED POOL—ideal for those sunny Florida afternoons. The backyard is FULLY FENCED, giving you plenty of space for pets, gardening, or outdoor gatherings. Updates include a NEWER ROOF and A/C (2013), so you can move in with peace of mind. The location? Unbeatable. You're just minutes from Challenger K-8 Magnet School, close to SR 50 with endless shopping and dining options, and only a short drive to the Suncoast Parkway—putting you in Tampa in about 45 minutes. Enjoy the laid-back lifestyle of Spring Hill and Hernando County, where you'll find parks, golf courses, and the famous Weeki Wachee Springs, yet still be close enough to the excitement, entertainment, and career opportunities of Tampa Bay. If you've been searching for a pool home on a large lot with an excellent location, THIS IS THE ONE.
Source: STELLAR #W7877983
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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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