105 Loyola Dr, Pflugerville, TX 78660
4 beds · 3 baths · sqft
This light-filled, pristine 1.5 story home is tucked away in the peaceful Mountain Creek subdivision, located conveniently within a short drive of I-35 and the 130 toll road. It lives like a single story with three bedrooms and an office/4th bedroom on the first floor; but stroll up the open staircase to find a large, enclosed bonus room with half bath that can serve as a game room, media room, additional office, or even a 5th bedroom for the perfect teen or guest suite. Luxurious touches abound, including high ceilings, crown molding in the entryway and formal dining space, as well as beautiful plantation shutters throughout the entire home. The large, open kitchen has ample storage and overlooks a spacious and inviting living room with a gas fireplace. The primary suite sits on the opposite side of the home for added privacy. The primary bath features a soaking tub, walk-in shower, and two walk-in closets. The entire interior was painted in 2023 in warm, elegant colors selected by an interior designer, and all carpet and padding were replaced in 2023. If the house alone doesn't win you over, the back yard retreat will certainly clinch the deal! Bask year round in and beside your heated pool and spa with almost $10,000 of upgrades installed just last year, including Jandy color pool light, new Pro Series JXL pool heater, intelligent upgrade package, and Aqualink Upgrade Kit. The beautifully landscaped yard adds to the feeling of relaxation, while the patio beckons for a morning cup of coffee or an evening beverage to close out your day. Recent roof and AC units (2020), 2021 water heater, and Bluetooth exhaust fan in guest bath in 2023. The Mountain Creek neighborhood has loads of walking trails, access to 3 parks, and is only a mile from downtown Pflugerville. This property has been lovingly cared for and it shows. It is a can't miss for anyone looking to make their home in the Pflugerville area!
Source: ACTRIS #9403632
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #9403632
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: #9403632
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