Built in 2020 and beautifully maintained, this move-in-ready home offers the perfect combination of modern style, thoughtful upgrades, and everyday comfort. Freshly painted and lovingly cared for, this home truly shines from the moment you arrive. Step inside to an inviting open-concept layout featuring durable tile and vinyl flooring throughout absolutely no carpet in the living areas or bedrooms. The bright and airy living spaces are enhanced by upgraded LED lighting throughout the main areas of the home, creating a warm and welcoming atmosphere both day and night. The heart of the home is the spacious kitchen, complete with granite countertops, stainless steel appliances, abundant cabinetry, and a large center island perfect for gathering, entertaining, or everyday living. To make your move even easier, the Samsung Smart Refrigerator, washer, and dryer all convey with the sale. The oversized primary suite offers a private retreat with dual vanities, a spacious walk-in shower, and a generous walk-in closet. Two additional bedrooms plus a versatile flex space provide endless possibilities for a home office, playroom, guest room, workout room, or hobby space. Built with modern efficiency and low-maintenance living in mind, this newer home allows you to enjoy the benefits of recent construction without the wait or added expense of building new. Every detail reflects pride of ownership and thoughtful care. Conveniently located just minutes from Harker Heights, shopping, dining, schools, and easy access to Fort Hood, this home combines modern living with everyday convenience. With fresh updates, move-in-ready convenience, and thoughtful touches throughout, this home is ready for its next owner to simply unpack and enjoy. If you’ve been waiting for a home that simply feels right the moment you walk through the door, this is one you won’t want to miss. Come by for the Open house Friday June 19th, Saturday June 20th and Sunday June 21st
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.
