Welcome home! Beautifully maintained one-owner home located in highly desirable Keller ISD! Featuring a brand-new Impact-Resistant Laminated Architectural Shingle Roof (June 2026), quality construction, thoughtful updates, and exceptional value. Step inside to discover 9-foot ceilings, rounded corners, paneled interior doors, engineered hardwood flooring throughout main living areas, and an open floor plan designed for comfortable living and entertaining. The spacious living room features a wood-burning fireplace, convenient floor outlet for flexible furniture placement, and ceiling fans that provide year-round comfort. The kitchen opens seamlessly to the living area and offers abundant 42-inch cabinetry, granite countertops, a breakfast bar, undermount dual-basin sink, designated food pantry, built-in microwave, and a newer LG dishwasher (2022). Designated utility room, split-bedroom layout provides privacy for primary suite and features garden tub, separate shower with safety grab bars and large walk-in closet with built-in shelving. Enjoy the additional flexibility of the enclosed sunroom, which is not included in the home's square footage. This versatile space can serve as a second living area, hobby room, garden room, home office, or relaxing retreat. Energy-efficient features include TechShield® Radiant Barrier Decking and a built-in Taexx® Pest Control System. Additional updates include a new garage door (2021), LiftMaster garage door opener, MyQ® Smart Garage Control App, wireless garage keypad (2026), full sprinkler system, gutters, and two storage buildings. Residents enjoy community amenities including a neighborhood pool, playground, and scenic pond with fountain, all for annual HOA dues of only $575. Don't miss this opportunity to own a meticulously cared-for home in a wonderful community, conveniently located within Keller ISD and just minutes from Ridgeview Elementary School, Trinity Springs Middle School, shopping, dining, and major commuter routes.
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.
