10835 Cassiopeia Creek Cir, Richmond, TX 77406
3 beds · 2 baths · 1,688 sqft sqft
This stunning one-story features an open-concept design that’s perfect for modern living. The spacious family room will be the heart of your home and the gourmet kitchen steals the show. Boasting 42-inch upper cabinets, exquisite quartz countertops, and a large island with an extended breakfast bar, the kitchen setup is ideal for both the culinary enthusiast and entertaining guests. Enjoy meals in the elegant dining room or take the gathering outside to the Texas-sized covered patio, complete with a ceiling fan for added comfort. The secluded primary suite features a luxurious ensuite bathroom. The community blends small-town charm with the convenience of big-city access. Explore Downtown Historic Richmond, shop at the Imperial Farmers Market, and revel in outdoor adventures at Brazos Bend State Park. Major employers, fantastic dining options, and a variety of shopping can be found in nearby Houston, Katy, and Sugar Land. Candela is the perfect place to call home.
Source: HAR #91872902
Interest rate and monthly payment estimated based on public records.
Source: HAR #91872902
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #91872902