LIBERTY HILL — $395,000 4BR • 3BA • Highly Desired Floorplan**Welcome to this beautifully maintained home in the sought-after Liberty Hill community, offering one of the neighborhood’s most desirable and spacious floor plans with 3000 sqft. The impressive two-story foyer creates a grand entrance and is flanked by a formal dining room on one side and a formal living room on the other. Both spaces are framed with elegant columns and crisp white trim, adding timeless architectural charm and setting the tone for the rest of the home.The chef-inspired kitchen features granite countertops, a center island, abundant cabinetry, and an open layout that flows directly into the large family room with a cozy fireplace. This open-concept design creates the perfect environment for everyday living and entertaining. The main level also includes a fourth bedroom with access to a full bathroom, making it ideal for guests, in-laws, or anyone who prefers main-floor accommodations.Upstairs, the home continues to impress with an expansive loft that offers endless flexibility. It can serve as a second living area, media room, office, playroom, or fitness space. High ceilings and natural light enhance the open feel throughout the upper level. The laundry room is conveniently located upstairs for added ease and efficiency.The primary suite is a true retreat, featuring a massive walk-in closet and a comfortable sitting area for reading, relaxing, or creating a personal workout or yoga space. The primary bathroom includes a large garden tub, dual sinks, and a private water closet, offering comfort and privacy.Outdoor living is equally appealing. The upgraded covered rear patio provides the perfect setting for summertime gatherings, grilling, or simply enjoying the outdoors. The backyard also includes a separate designated dog area, providing convenience for pet owners while maintaining a clean, functional yard layout.Fresh interior paint, well-maintained condition throughout, spacious rooms, excellent storage, and a two-car garage add to the home’s overall appeal. Located in a highly desirable community, this home truly has it all—beautiful finishes, generous living spaces, thoughtful upgrades, and a floorplan that rarely becomes available in Liberty Hill.Schedule your showing today. You’ll be glad you did.
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.
