Welcome to 305 Lightcliff in the sought-after Star Ranch community—where style, space, and standout upgrades come together in a way that truly sets this home apart. The centerpiece of this home is the newly enlarged custom kitchen, and it’s a game changer. Thoughtfully redesigned to maximize both function and flow, this space offers more room to cook, gather, and entertain than anything else you’ll see in this price range. From the expanded layout to the upgraded finishes, cabinetry, and storage, this kitchen doesn’t just compete—it wins. It’s the kind of space buyers remember long after touring, whether you're hosting a full house or enjoying a quiet night in. The layout is both functional and flexible, featuring 4 spacious bedrooms plus a dedicated flex room that can easily serve as a home office, playroom, media room, or gym. The primary suite is conveniently located downstairs, offering privacy and comfort with easy access to the main living areas. A two-car garage adds everyday convenience and practicality. Step outside and you’ll find a large, beautifully maintained backyard that sits slightly elevated—creating the perfect setting to unwind and take in gorgeous Texas sunset views. Whether you're entertaining, grilling, or just relaxing at the end of the day, this outdoor space is a true extension of the home. Living in Star Ranch means access to exceptional amenities, including a resort-style pool, clubhouse, fitness center, parks, and scenic walking trails. Golf lovers will appreciate being right by the Star Ranch Golf Club, while everyone benefits from a welcoming community feel and convenient access to nearby shopping, dining, and major employers. Homes come and go—but a thoughtfully upgraded kitchen like this is rare. If you’ve been waiting for something that truly stands out, 305 Lightcliff delivers.
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.
