NEW PRICE & UNBEATABLE VALUE: Updated 3 Bedroom plus Flex Office in North Fort Worth! Experience the perfect blend of modern comfort and strategic location at 437 Sandy Creek Dr. Nestled in the heart of the high-growth 76131 zip code, this beautifully updated 2,000 plus square foot home offers the peace of mind today’s buyers crave. Major high-ticket updates provide long-term value and immediate savings, including a New Roof installed in 2021 along with a New HVAC, Water Heater, and Dishwasher replaced in 2024. The interior, featuring fresh paint and updated flooring, is designed for a seamless flow as the open concept living area with cozy fireplace serves as the heart of the home. It is anchored by a chef ready kitchen featuring granite countertops, ample cabinetry, and premium prep space. For those needing a quiet place to work, the dedicated front-of-house flex room is an ideal home office, hobby room, or secondary living space. The private primary suite acts as a true sanctuary, boasting a substantial walk-in closet and attached ensuite bath. Two additional bedrooms and a second full bathroom offer flexibility for family, guests and hobbies. Outdoor living is elevated by a fabulous front porch with landscaping for enjoying coffee and sunrise in the morning and private backyard featuring a custom pergola with twinkle lights that is perfect for Texas summer evenings. Residents also enjoy resort-style neighborhood amenities including a sparkling community pool and spa, miles of scenic walking and jogging trails, sand volleyball courts, and playgrounds. The location is truly unbeatable as you are just minutes from Alliance Town Center plus the highly anticipated H-E-B and Costco. Quick access to I-35W, Highway 287, and Loop 820 makes for an easy commute to all major Fort Worth employers and entertainment districts. This move-in ready home is an incredible opportunity in the award-winning Northwest ISD and in one of the fastest growing areas of North Fort Worth.
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.
