1203 N 13th St, Temple, TX 76501
4 beds · 3 baths · 3,499 sqft sqft
Discover Timeless Charm with Modern Luxury! Step into history with this stunning red brick home on a double corner lot in the North Side Historic District of Temple, Texas. Built-in 1956 by a founding doctor of Scott and White, this residence has had only three owners, showcasing a legacy of care. With 4 spacious bedrooms, 2.5 bathrooms, and a dedicated office that can easily become a 5th bedroom, this home is perfect for modern living. The main living areas feature stunning beams, two inviting fireplaces, and a versatile loft area that can serve as a cozy retreat or media room. The heart of this home is the gourmet kitchen—a chef's dream come true! Original hardwood flooring, a custom butcher block island, and top-of-the-line appliances, including a double oven, make cooking a delight. With two sinks (including an apron sink), a hot water drink dispenser, and two drink fridges, this kitchen is not just functional; it’s an experience. The allure continues with a fully furnished, remodeled garage apartment that adds 403 sq. ft. of living space, complete with a kitchenette and full bathroom—ideal as a mother-in-law suite, guest quarters, or for rental opportunities. Recent upgrades ensure comfort and peace of mind, including a new roof (2024) with high-impact Class 4 shingles, fresh exterior paint, new gutters, and a commercial-grade Lennox AC unit. The beautifully landscaped exterior, complete with a full-size flagpole and Rainbird irrigation system, enhances curb appeal and invites you to enjoy the outdoors. Conveniently located just minutes from Scott & White, I-35, and local restaurants and shopping, making this home offer both serenity and accessibility. Imagine cozy evenings by the grand fireplace, tranquil mornings on the front porch, and a lifestyle steeped in charm and history. Don’t miss your chance to own this remarkable home—schedule your private tour today!
Source: ACTRIS #4330325
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #4330325
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #4330325