120 Birdcall Ln, Argyle, TX 76226
4 beds · 3 baths · 3,572 sqft
Repositioned price with $5k to use towards buyers closing costs or rate buy down. Sellers are very motivated as they are headed out of state and need to get this beautiful home in the hands of its next owners. Located just under 10 minutes from TX Motor Speedway, Tanger Outlets Mall and Bucee's, this home is conveniently located right off I-35. Meticulously well-maintained (all maintenance documentation and records will be provided to buyer) 4BD, 3BA home sits just inside the multi-year award winning community of Harvest and Argyle ISD. Enjoy resort-style amenities and a forward thinking lifestyle program year round. A generously sized home and oversized 2 car garage with custom cedar insulated garage doors lends to a first floor owner suite oasis fitted with a well thought out customized closet system. The owner suite bath features separate vanities and sinks with a giant soaker tub and luxurious walk-in shower. The bath flows conveniently into the owner suite closet and continues on into the laundry room. An additional bedroom downstairs can easily be utilized as a Next Gen option for a loved one or private retreat for guests. The well appointed floor plan offers an office just off the front entrance, two dining areas, a kitchen that any cooking enthusiast will enjoy immensely with multiple living-flex spaces on both floors including a backyard covered patio space. The gas fireplace can be easily converted back to wood burning in which it originally was, if desired. NEW roof with impact resistant shingles and numerous windows have been replaced under warranty. Upstairs are two additional bedrooms and a full bath. The home, along with the community surrounding it, offers a place for all to grow, flourish and create countless memories. *Buyer & buyer's agent to verify sq.footage & schools.
Source: NTREIS #20762001
Interest rate and monthly payment estimated based on public records.
Source: NTREIS #20762001
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: #20762001
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