113 Garden Gate Ln, Liberty Hill, TX 78642
5 beds · 4 baths · sqft sqft
Discover 113 Garden Gate Ln in the prestigious Santa Rita Ranch community of Liberty Hill, TX, a stunning community that offers elevated luxury living in the Texas Hill Country. This exquisite 5 BD | 4 BA home has been upgraded with over $300K in features (full list, attached) to create a true masterpiece that’s ready for both entertaining and everyday comfort. The main level greets you with an open living, dining, and kitchen area filled with natural light and splendid views of the backyard sanctuary. The chef-inspired kitchen features stunning quartzite countertops, quartz backsplash, and a large island with an eye-catching brick accent. Gourmet touches like the Z-Line range hood make this space a dream for cooking and gathering. The main level also includes the primary suite with spa-like ensuite bathroom, an additional bedroom, 2nd bathroom, and a dedicated office. Upstairs, a spacious game room, 3 more bedrooms and 2 bathrooms, giving everyone a place to call their own. A true highlight of this home is the incredible outdoor living space. Step out onto the extended covered patio, complete with a shiplap ceiling, recessed lighting, dual ceiling fans, a cozy wood-burning fireplace, and an outdoor kitchen equipped with a grill, sink, and fridge—perfect for grilling and entertaining. Beyond the patio, a show-stopping pool area awaits, complete with a hot tub, a waterfall feature, and a distinctive sunken seating area that extends seamlessly from the pool. This dry seating area shares a bar with submerged in-pool barstools, allowing guests to relax at the bar and mingle with friends cooling off in the water. As if the home itself wasn’t enough, Santa Rita Ranch is known for its award-winning amenities; waterslides, a Wellness Barn and miles of scenic trails, to name a few. You’ll also find pickleball courts and events like cornhole tournaments, making every day an adventure. Don’t miss your chance to experience this unmatched lifestyle, it won't last long!
Source: ACTRIS #1885709
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #1885709
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: #1885709
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.