Welcome to Marine Creek Hills in Fort Worth! This home is not only beautifully updated but also comes with an Amazing Financing Opportunity with a preferred lender. Qualified buyers can take advantage of ZERO DOWN PAYMENT, NO PMI, $2,000 toward Closing Costs, and $500 toward Appraisal Fees, making this home an incredible value. Step inside and enjoy peace of mind knowing that all the big-ticket updates have already been completed. In 2025, the home received a brand-new AC-HVAC system with an energy-efficient heat pump and 10-year warranty, a foundation repair with a lifetime transferable warranty, and a complete total underground plumbing replacement. All new sewer piping carries a 10-year warranty. Additional Plumbing replacements include new toilets and showers in both bathrooms. A new roof with durable Class 4 shingles was installed on both the home and backyard shed for added protection. The updates don’t stop there! Fresh interior and exterior paint, modern light fixtures, stylish ceiling fans, and updated stainless steel appliances give this home a crisp, refreshed feel. A water heater replacement in 2020 adds even more peace of mind. With nearly every major system replaced or upgraded, this home is truly move-in ready. All you need to do is unpack and enjoy! Located in the sought-after Marine Creek Hills subdivision, you’ll love the convenient access to shopping, dining, schools, and highways, all while being part of a welcoming community. With its unbeatable combination of updates, warranties, and buyer incentives, this home is a rare find you won’t want to miss!
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.
