104 Ridgeview Ct, Georgetown, TX 78628
4 beds · 3 baths · 2,501 sqft sqft
ASSUMABLE VA LOAN - 3.125%. This smart home, situated across from the amenity center on an oversized cul-de-sac lot, features a rare single-story layout with 4 beds, 3 baths, plus a workshop in the garage, combining modern convenience with cutting-edge technology. Interior Features: The gourmet kitchen impresses with an oversized island, farmhouse sink, ample cabinet storage, and walk-in pantry. Flowing seamlessly into the main living area, it’s perfect for both daily life and entertaining. Double doors open to the patio, creating an ideal indoor-outdoor setup. The spacious primary bedroom also features double doors, adding privacy and sophistication. Smart Technology: Control your home's ambiance with your phone. With Apple HomeKit, Alexa, Google Home, and Ring, easily dim the lights. Two Unifi Wifi6 access points ensure smooth surfing, while a hardwired network provides reliability. Security & Privacy: Four exterior cameras store footage onsite for added privacy, while an ADT system with sensors on all doors and windows offers security. New owners can continue the service if desired. Connectivity & Power: With four fiber lines running to the home, high-speed connectivity is guaranteed for work, streaming, and more. The garage includes a 110-volt switch and 220-volt outlet, ideal for EV charging, plus an extra 110-volt outlet for tools like a welder. Outdoor Automation: The Wi-Fi-controlled sprinkler system and Husqvarna Automower 315x robot mower maintain both front and back lawns for easy, hands-free care. Air Quality & Comfort: A UV sterilization system in the AC ductwork ensures clean air, maintained by Austin Air Conditioning. Custom plantation shutters in the primary bath and upgraded ceiling fans throughout enhance comfort. Interior Finishes: Custom lighting fixtures add a designer touch throughout. The kitchen’s reverse osmosis water filtration system provides pure drinking water, and plantation shutters in the primary bath add elegance.
Source: ACTRIS #2338631
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #2338631
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: #2338631
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.