12265 Indian Creek Dr, Fort Worth, TX 76179
4 beds · 3 baths · 3,073 sqft
This home offers luxury living in a premier lake and golf community, combining elegance, comfort, and resort-style amenities. Nestled in The Resort on Eagle Mountain Lake, this custom all-brick home offers elegance and comfort in a master-planned, guard-gated community. Positioned on the 10th Fairway of the 18-hole golf course, this home boasts stunning views. The open-concept design creates a bright and inviting space, with a spacious living area highlighted by large windows overlooking the golf course and beautifully wooded backyard. The gourmet kitchen is a chef’s dream, featuring granite countertops, ample prep space, custom flush cabinets with pull-out shelves, and high-end stainless-steel appliances, all updated within the last 1.5 years. Additional kitchen upgrades include an RO water filtration system under the sink, a double convection oven, and a gas stove. A private study with built-in shelving and scenic golf course views provides the perfect space for work or relaxation. The first-floor primary suite serves as a peaceful retreat, complete with a seating area with storage, access to the back patio with built in grill and ensuite bathroom with dual vanities. Upstairs, 3 additional bedrooms, a full bathroom and access to the balcony provide ample space for family and guests. Residents enjoy exclusive access to a clubhouse which was featured in the 2024 drama Landman, two pools, a fitness center, a private boat ramp, an 18-hole golf course, and tennis courts. Updates in 2023 include fresh interior paint, new ceramic wood-look tile flooring on the first floor, and UV-resistant plantation shutters. Additional features include under kitchen cabinet lighting, a large attic with a lift above the garage, full spray-in insulation, high-end HVAC, wired surround sound speakers, and a full security system. There is access to up to 1,000 Mbps internet speeds, a built-in garage workbench, a 11-zone sprinkler system, and two large double gas water heaters.
Source: NTREIS #20869848
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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
Source: NTREIS #20869848
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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 of Equal Opportunity Act.