Welcome to 1813 Andover Drive in Garland, a well-maintained 3-bedroom, 2 full bath, one-half bath home that offers the perfect combination of recent upgrades, functional living space, and standout outdoor features. This property is truly ready, with major systems already updated to give buyers confidence and peace of mind. The home features a bright and inviting interior with a comfortable layout designed for everyday living. Natural light fills the main living area, creating a warm and welcoming atmosphere, while the kitchen is equipped with brand new appliances (oven,microwave, dishwaher) installed in April 2026, including an oven, microwave, and dishwasher. The bedrooms are generously sized and offer flexibility for guests, a home office, or growing needs, and the two full bathrooms provide both convenience and practicality. What truly sets this home apart is the extensive list of recent improvements. The roof was replaced in March 2026, offering long-term durability and potential insurance benefits, while the hot water heater was replaced in 2024, eliminating another major expense for future homeowners. Key upgrades significantly reduce maintenance concerns and add immediate value. Step outside to a private backyard retreat featuring a pool, perfect for enjoying Texas summers, entertaining guests, or simply relaxing at home. The outdoor space offers plenty of room to create your own oasis, whether that’s adding seating areas, landscaping, or additional entertainment features. In addition to the pool, the property includes a two-car garage along with a covered carport, providing ample parking, storage, and flexibility for multiple vehicles. Established Garland neighborhood with convenient access to major highways, shopping, and dining, this home offers, its combination of major system updates, desirable features, and strong overall value, 1813 Andover Drive presents an excellent opportunity for buyers looking for a home that is ready to enjoy from day one.
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.
