1216 Johnson Dr, Celina, TX 75009
3 beds · 3 baths · 2,570 sqft
Get a free consultation call with an expert in the mortgage assumption process.
FHA 4.6% ASSUMABLE LOAN! Welcome to this beautifully landscaped Beazer Home! This stunning 3-bedroom, 2.5-bathroom home with a spacious office and 2-car garage offers the perfect blend of comfort, style, and functionality. As you enter, you’ll immediately notice the large study featuring decorator walls and elegant glass doors, setting a welcoming tone for the entire home. The chef-inspired kitchen is a true highlight, boasting a large sink with a decorative faucet, a 5-burner gas range, white cabinetry, subway tile backsplash, a built-in trash pull-out, and a spacious walk-in pantry — ideal for entertaining guests. The family room, pre-wired for a 7-point surround sound system, flows seamlessly from the kitchen and dining area, creating an open and inviting space. It’s further enhanced by a gas heatilator fireplace with an electric switch, offering both ease and ambiance. Plus, a flat-screen TV is included! The master bedroom is located downstairs and overlooks the serene backyard.It comes with a flat-screen TV that will remain with the home, adding convenience and comfort. The ensuite bathroom includes a garden tub, a separate shower, a vanity with plenty of counter space, and a large walk-in closet.Upstairs, you'll find a huge game room with two storage closets, plus two nicely appointed bedrooms that share a well-designed bathroom.A mud bench with coat hooks and open cabinets near the garage entry provides a perfect spot to drop backpacks and shoes as you come in.Throughout the home, you'll find beautiful accent walls and decorator cabinet pulls that give it a designer touch. Solar panels and Tech Shield provide added energy efficiency, keeping utility bills low. A security system with multiple cameras offers peace of mind for you and your family. The community pool and playground, just completed and within walking distance, offer even more conveniences and recreational opportunities. This home is truly a MUST SEE! Don’t miss out on this exceptional opportunity!
Source: NTREIS #20861314
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: NTREIS #20861314
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.