9025 SE 136th Loop Summerfield, FL 34491
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About this home
Elegant & Upgraded Aspen Extended in Spruce Creek Golf & Country Club! Experience the perfect blend of luxury, comfort, and Florida lifestyle in this beautifully upgraded Aspen Extended model, located in the highly sought-after Spruce Creek Golf & Country Club — a premier 55+ gated and guarded community offering world-class amenities and 24-hour security. Boasting 2,251 square feet of thoughtfully designed living space, this 3-bedroom, 2-bathroom home plus private office and flex room showcases modern updates and timeless style throughout. The updated kitchen features gorgeous granite countertops, while crown molding, plantation shutters, and luxury vinyl flooring add a refined touch to every room. The interior has been freshly painted, creating a bright and welcoming atmosphere that’s truly move-in ready. Enjoy your morning coffee or unwind in the four-seasons enclosed lanai, perfect for relaxing or entertaining year-round. The flex room offers versatility for a den or hobby space, and the private office provides the ideal spot for productivity or quiet reading. With a 2014 roof and 2018 HVAC, this home combines peace of mind with style and function. Beyond the home, Spruce Creek Golf & Country Club delivers resort-style living with top-tier amenities including clubhouse pools, hot tubs, tennis and pickleball courts, a fitness center, dog park, and on-site dining. The community also offers RV and boat storage for lease and convenient trash pickup three times a week. Located just minutes from Spanish Springs in The Villages, you’ll enjoy easy access to premier shopping, dining, and entertainment — all while coming home to the tranquility and security of this guard-gated golf community. Don’t miss the opportunity to make this stunning home yours. Schedule your private showing today and experience the best of Central Florida 55+ living!
Source: STELLAR #G5102970
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Close stress-free in 45 days, handled start to finish by Roam.
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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.