The moment you step through the glass and iron front door of this single story home in The Trails at Westpointe, something shifts. The ceilings rise, light floods in, and the space feels immediately more generous than you might have expected. This isn't a home that holds back. The main living areas flow with an easy logic - open enough to feel connected, but thoughtfully arranged so every room has purpose. The kitchen anchors the space with quartz countertops, a built-in oven, gas cooktop, and a large island that draws people in naturally. Whether it's a weeknight dinner or a weekend gathering, you're working with a layout that actually supports how people cook and live. Updated pendant lighting keeps the tone current without trying too hard. Practicality shows up in the details here, and that matters. A built-in shoe cupboard in the entry keeps daily life organized from the moment you walk in. The coat closet has been wired with power outlets as part of the home's media hub. The laundry room stands fully separate, and the refrigerator, along with the heavy duty Maytag washer and dryer, all stay with the home. The primary bedroom earns its status with a bay window that brings in soft, natural light and frames the backyard greenery like a painting. The ensuite delivers solid countertops and a double vanity. Functional, refined, and completely in keeping with the home's light-and-bright character that carries through every room. Out back, a covered patio extends your living space into a yard surrounded by mature trees that provide genuine privacy - not the kind you have to imagine, but the kind you can see and feel. Don't miss the brand new gas grill, set up for natural gas and ready for your first brisket of the season. A storm door on the back entry adds durability and security. The sprinkler system keeps the yard effortless, a water softener handles the hard water that's simply part of life in this part of Texas, and an HVAC UV light filter setup helps keep your air fresh in those long summer months. The garage goes beyond storage. A Tesla charging port is already installed, making the transition to an electric vehicle seamless rather than a future project. The community pool at The Trails at Westpointe gives you a resort-adjacent amenity without the resort price tag. Four bedrooms, three bathrooms, one level - all of it designed for daily living and maximum comfort.
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.
