Stunning 3-Bedroom, 2.5-Bath Two-Story Home in Onion Creek Golf Course Community – The Perfect Family Home Welcome to this beautifully remodeled 3-bedroom, 2.5-bathroom home, offering 3,663 square feet of open, airy living space. Nestled in the desirable and quiet Onion Creek Golf Course community, this home combines luxury, comfort, and stunning views — making it the perfect family home. Key Features: Recently Remodeled: Fresh updates throughout the home, providing a sleek and stylish ambiance. Gourmet Kitchen: A beautifully remodeled kitchen with all-new custom cabinets and high-end LG appliances. This space is a chef’s dream, offering both functionality and beauty with ample counter space and elegant finishes. Bonus & Media Rooms: A large bonus room and dedicated media room offer endless possibilities for entertainment, hobbies, or even an office space. Half Bath Downstairs: Ideal for guests, the home includes a convenient half bath on the main level. Plantation Shutters: Elegant plantation shutters throughout home Energy Efficiency: The home is equipped with a brand new HVAC system, heating, and an energy-efficient tankless water heater, ensuring comfort year-round while keeping utility costs low. Outdoor Living: Enjoy the beautiful Texas weather on your large outdoor covered patio — perfect for relaxing, dining, or entertaining guests while overlooking the serene golf course views. Location Highlights: Situated in the sought-after Onion Creek Golf Course community, known for its picturesque views and peaceful ambiance. Quiet, family-friendly neighborhood, offering a peaceful retreat while still being close to local amenities such as shopping, dining, parks, and schools. This move-in-ready home offers the perfect combination of luxury, location, and lifestyle. With spacious living areas, modern upgrades, and a prime location, it truly is the perfect family home. Schedule your tour today to see all that it has to offer!
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
