This exquisite Sandlin built home, Monte Carlo floorplan, offers impressive architectural features, flexible living space, & exceptional neighborhood amenities. The spacious layout includes a study, gameroom, media room, plus 4 beds, 3.5 baths, & a 3 CAR GARAGE on a HUGE corner lot! The grand dining room makes an unforgettable first impression with soaring two-story ceilings, a dramatic curved staircase, & a wet bar. Just beyond... the towering ceilings continue into the large living area, with a striking floor-to-ceiling tiled fireplace & expansive windows that flood the open-concept layout with natural light. The chef's kitchen opens seamlessly to the living & dining areas and features glass cabinetry, a sprawling island, plentiful prep space, & walk in pantry. A private study off the entryway w french doors & custom built-ins provides an ideal work-from-home setup! The primary suite is moody & private with 2 generous closets & super shower! Upstairs you will find 3 additional bedrooms, a Jack and Jill bath, additional full bath, gameroom + plus media, completing the spacious yet practical layout! The oversized corner lot, carriage garage doors, & intricate brick detail make for an impressive exterior elevation. Enjoy Timberbrook's amenities including a community pool, playground, miles of tree-lined walking trails, dog parks, pickleball & basketball courts, outdoor amphitheater, and social events. All just minutes from shopping, dining, and commuting access to Denton, Roanoke, Alliance, Hwy 35W, & Hwy 114. Feeds to top rated NISD schools including the new Justin Elementary located in Timberbrook & new Barksdale Middle set to open 2026-2027 school year! Justin, TX provides a small town feel but close to big town conveniences. Several commercial developments underway including Timberbrook Crossing & Justin Town Square. New Tom Thumb grocery store 10 mins away! HEB grocery store coming soon! It's a great time to invest & at a much better value than new construction!
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.
