Move-in ready and impeccably updated in 2026, this single-story end-unit townhome in the gated Pickett Place community checks every box: a brand-new roof (2026), brand-new energy-efficient windows (2026), an upgraded kitchen, a remodeled bath, and fresh paint throughout. The big-ticket items are already done. The bright, open floor plan lives larger than its footprint, with the extra natural light only an end unit enjoys and easy-care tile flooring. The kitchen shines with luxurious quartzite countertops, stainless-steel appliances, and a breakfast bar, while the spotless, remodeled bath and two comfortable bedrooms complete the easy single-level living. True smart home features come included: a Google Nest Learning Thermostat (4th gen) and wired Ring Video Doorbell Pro help lower utility bills and boost security, alongside smart ceiling fans and the gated entrance. With only one shared wall, this home offers privacy that is rare in townhome living. Out front, a private fenced patio creates a charming courtyard-style entry with room to grill, relax, and entertain, all within landscaped, well-kept grounds. The washer, dryer, and refrigerator are all included wit full price offer, two assigned parking spaces sit just steps from the door, and ample guest parking makes hosting easy. A full list of 2026 updates is available upon request. Best of all, the HOA handles the hard work, covering lawn care, exterior maintenance, community upkeep including tree trimming, and the gated entrance itself. Enjoy true lock-and-leave living with predictable monthly costs. Minutes from Firewheel Town Center shopping and dining, the wooded hiking trails of Spring Creek Forest Preserve, Hawaiian Falls Waterpark, Life Time Fitness, and the President George Bush Turnpike, with the North Garland Branch Library around the corner. Affordable, low-maintenance, and truly turnkey. Schedule your private showing today!
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.
