Welcome to a home that grows with you. Situated on a picturesque, tree-lined street this spacious 4-bedroom, 2.5-bathroom Georgetown Village offers the perfect blend of classic Georgetown charm and modern flexibility. Whether you are looking for your very first home or ready to move up to more square footage, this property delivers on every front. Plus Seller recently invested in fresh interior paint and carpet throughout upstairs: this home feels bright, airy and move-in ready. This layout is designed for the way we live today: spacious kitchen with island, breakfast area and tons of natural light is open to the living area. The formal dining space currently serves as a sophisticated library and study - ideal for the remote professional or a quiet reading nook. You will fall in love with the primary suite with attached bonus space - sellers love using for morning workouts. Could be study or dressing area! The second floor is a dedicated hub for relaxation and productivity, featuring: 3 bedrooms, full bathroom, game room, integrated task/study area perfect for homework sessions or a secondary home office space, private covered balcony -step outside for your morning coffee or a sunset wind-down overlooking the neighborhood. Ample backyard ready for a playscape, garden or summer BBQs. With both front & back covered porches, you have plenty of space to enjoy the Texas breeze year-round. Plus close-knit community and NO HOA!!!! Living in Georgetown Village isn’t just about the house; it’s about the "Most Beautiful Town Square in Texas." Minutes away from a vibrant downtown filled with boutique shopping, farm-to-table dining, and year-round festivals. Not to mention - Georgetown ISD is renowned for its commitment to students. Ideally situated near top-tier schools - Village, Benold, GHS and the celebrated Early Learning Center. Their specialized programs ensure students get a head start in a state-of-the-art nurturing, high-quality environment.
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.
