Welcome to this light-filled 4-bd 2.5 bath with a private study, nestled on an interior lot in the highly sought-after Woodbridge golf course community in Collin County & served by acclaimed Wylie ISD*Fresh neutral paint & multiple window panes being replaced in 2026 create a bright, updated feel thruout*The flexible floor plan includes a split 4th bdrm that can easily serve as a game rm, exercise rm, craft space or 2nd office*The dedicated study features wood flooring & French doors, while ceiling speakers in both the study & living room add an extra touch of convenience & entertainment*Step inside through the impressive two-story entry & discover spacious living areas designed for both everyday comfort & entertaining*The family room centers around a charming brick fireplace flanked by built-in bookcases & includes a TV mount with concealed wiring for a clean, polished look*The well-appointed kitchen offers abundant cabinetry & counter space, a center island with electric & storage, a built-in desk & a built-in wine rack—perfect for staying organized while entertaining guests*The oversized primary suite provides ample room for a sitting area & serves as a peaceful retreat*The ensuite bath features dual sinks, a garden tub, separate shower, private lavatory, linen storage & a spacious walk-in closet with custom shelving*Additional highlights include an electric vehicle charging connection in the garage & seller flexibility regarding flooring, with CARPET REPLACEMENT options available OR a CONCESSION OFFERED based on a current replacement quote*Enjoy all the exceptional amenities Woodbridge has to offer, including community pools, parks, playgrounds, scenic jogging & biking trails, green spaces & access to the renowned golf club*Combining a versatile floor plan, thoughtful updates, outstanding community amenities, desirable Collin County location & highly rated Wylie ISD schools, this home offers an exceptional opportunity to enjoy the very best of Woodbridge living.
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.
