102 Tracy Ln, Victoria, TX 77904
4 beds · 3 baths · sqft
Welcome to 102 Tracy Ln, a stunning, move-in-ready home nestled in the highly sought-after neighborhood of Country Club Village at Victoria Country Club. This spacious 4-bedroom, 2.5-bathroom residence boasts 3,251 square feet and sits on a large lot at .62 acres in a quiet cul-de-sac with ample parking. As you pull up, you will appreciate the privacy, space, and attractive curb appeal. As you step inside, you are greeted by an open-concept floor plan with soaring ceilings, abundant natural light, crown molding, fresh interior paint throughout the entire home, and alluring tile plank flooring that will stand the test of time. You will love the HUGE, lofted 2nd living room! The gourmet kitchen features breathtaking stone countertops, new high-end stainless steel appliances, a gas cooktop, and a walk-in pantry – all ideal for hosting dinner parties or preparing family meals. The master suite is a true retreat with its spacious layout, vaulted ceiling, a walk-in shower, his/her vanities and walk-in closet. The home’s thoughtful design includes a cozy living room with a fireplace, a formal dining room, and a versatile office space/sun room. This sun room is seriously such an awesome added bonus to this home! Step outside to your private backyard oasis, complete with a covered patio made with granite stone, perfect for enjoying evenings with family and friends. The home sits on a large lot with mature trees, offering both privacy and a sense of peace. Located just minutes from schools, shopping, dining, and major roadways, this beautiful home provides the ideal balance of comfort and convenience. Don’t forget, you are right of The Victoria Country Club that offers golf, tennis, pickleball, swimming, dining, drinks, and an incredible social environment perfect for families and professionals. Go and meet your dream home today taking this special opportunity to put your own taste on this exceptional canvas in one of Victoria's most premier communities!
Source: CENTRALTEXAS #562211
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #562211
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #562211
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.