This is a thoughtfully upgraded home nestled in the growing community of Sonterra in Jarrell, TX. Built in 2021, this well-maintained residence offers exceptional value with numerous custom upgrades and stylish finishes that set it apart from standard builder-grade homes. Step inside to discover an inviting open-concept floor plan with updated laminet flooring throughout the main living areas, custom paint colors, wood staircase, and upgraded lighting fixtures that add warmth and character to every room. The heart of the home is the beautifully appointed kitchen, where a large center island provides ample prep space and a natural gathering spot for family and friends. Granite countertops, shaker-style cabinetry, a modern tile backsplash, and a convenient breakfast bar combine to create a functional and stylish culinary space. Whether you're preparing meals or entertaining guests, this kitchen delivers both elegance and practicality. The spacious primary suite serves as a peaceful retreat, complete with an ensuite bathroom featuring a sleek walk-in shower and contemporary finishes. Two additional bedrooms and two full bathrooms offer flexibility for family, guests, or a home office setup. Enjoy seamless indoor-outdoor living with a fully fenced backyard that includes an extended patio and a custom pergola—ideal for morning coffee, weekend barbecues, or simply enjoying the Texas breeze. The backyard provides a private oasis for relaxation, recreation, or even a future garden or play area. Additional highlights include: Custom lighting throughout Dedicated laundry room Two-car garage with additional storage Energy-efficient features Move-in ready condition Located in Williamson County, this home offers easy access to nearby schools, parks, shopping, and dining, while still enjoying the charm of small-town living. Don't miss your opportunity to own this upgraded gem in a welcoming community.
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.
