4048 St Ives Blvd Spring Hill, FL 34609
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About this home
Luxurious pool home in Pristine Place! Walk through the front doors into the elegant formal living & dining room great for large family gatherings. Spacious kitchen, loads of cabinets, LG stainless steel appliances, Moen double sinks with a goose neck pull down faucet, crown molding and tray ceiling are more of the designer touches in this home, sunny breakfast nook opens to the family room with a fireplace, hand painted mural, plant shelf, large sliding glass doors let in lots of sun light! The primary bedroom is a generous size with two walk in closets, crown molding, ceiling fan and new carpet. Primary bathroom is a place to unwind, soak in the garden tub, features his/her sinks and a large walk in shower. On the opposite side of the home two more bedrooms with new carpet, both have walk in closets, ceiling fans. Hall bath features a tub/shower combo. Three sets of sliding glass doors lead to your sun drenched pool great for cooling off in the summer heat, features a screened enclosure and large lanai. Very large lot, well for the sprinkler system, ADT security system, three car garage, pull down stairs to attic. Roof installed 2023, Hot water heater is new, new carpet. Pristine Place is deed restricted, gated, with low HOA fees, club house, gym, pool, craft club, adult game night, canasta card game night every Thur. Great location close the restaraunts, shopping, big box stores, easy commute to Tampa or Clearwater. Weeki Wachee river is nearby with the famous mermaid show, Pine Island Beach close by, Clearwater and St. Pete beaches apprx. one hour away.
Source: STELLAR #W7875554
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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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