Located in the desirable gated active adult community of Robson Ranch, this beautifully designed and updated home sits on a premium golf course lot. Enormous EAST facing covered back patio extended to look out to golf course from all sides. 130 yards from the green on hole 1 of the west course. 3-car garage, open floor plan, and elegant finishes throughout, ideal for both everyday living and entertaining. Step inside to a grand two-story entryway that flows easily throughout the main level. Plantation shutters add timeless charm. Spacious living room features custom built-ins, a decorative stone fireplace, and large windows overlooking the covered back patio—perfect for enjoying peaceful golf course views. The kitchen is a true centerpiece, open to both the living and dining areas, offering abundant cabinet and counter space, double ovens, a gas cooktop, and a built-in desk area for added functionality. With two dining areas and two living spaces on the main level, there is room for everything from casual mornings to hosting guests. The large private office with French doors, at the front of the home, provides the perfect work from home setup or an additional den space . The large primary suite is a relaxing retreat, featuring dual sinks, a separate tub and shower, and oversized closet. The utility room is thoughtfully designed with a sink, ample counter space, and additional cabinetry for convenience and organization. Upstairs, you’ll find two additional bedrooms, a full bath, and a generously sized floored attic ideal for storage or future flex space. Enjoy outdoor living year-round on the extensive, oversized covered patio—perfect for entertaining or simply relaxing while taking in peaceful golf course views. Residents enjoy access to top-notch community amenities including tennis courts, pickle ball courts, a community pool, golf, and a clubhouse with a full calendar of social activities. Conveniently located 2 miles from the future HEB grocery store and I35W.
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.
