Forget the ordinary and step into a lifestyle of fun, convenience, and resort-style living! This stunning 4-bedroom, 2-bath home, wrapped in a classic brick front, isn't just a place to live—it's your all-access pass to the best of Pecan Plantation. From the moment you pull up the extended driveway to your 2-car garage, you'll feel right at home. Inside, crown molding and a brilliant layout create a perfect stage for both quiet nights in and lively celebrations. The heart of the home is the kitchen, designed for the host in you with great counter space & cabinetry, and a welcoming breakfast bar for morning chats or party appetizers. With a sunny breakfast room and a formal dining area, you have the perfect spot for every meal, from casual pancakes to holiday feasts. When it's time to unwind, your private sanctuary awaits in the primary suite. The ensuite bathroom features dual sinks, two separate showers, and two walk-in closets! Ready for some fresh air? Swing open the door directly from the kitchen and step out onto your covered back porch, which flows seamlessly onto an extended patio with custom built pergola. This is your outdoor living room! Picture weekend barbecues, morning coffee with the birds or lounging under the stars, all within your fully fenced yard shaded by beautiful, mature trees. But the lifestyle doesn't stop at your property line. You're perfectly positioned near the clubhouse for community festivities and not too far from the marina for effortless access to Lake Granbury. As a Pecan Plantation resident, you'll live like you're on a permanent vacation with 24-7 gated security, championship golf, sparkling pools, tennis and pickleball courts, and even fine dining. Need to run errands? A full-service grocery store, pharmacy, bank, and car wash are all right here inside the gates. With a brand new roof installed in 2025, this home is truly move-in ready. All that's missing is you. Come see it. Your best life happens here!
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.
