129 Camellia Dr, Hutto, TX 78634
4 beds · 3 baths · 2,051 sqft
Charming two-story home nestled in the quiet community of Creek Bend ~ Fabulous open floor plan with arched detailing and windows that allow in soft natural lighting ~ Eat-in kitchen with stainless steel appliances, ample cabinet and counter space plus breakfast bar for additional seating or serving guests buffet style ~ Bedroom and full bath located on the main level is the perfect space for guests ~ Head upstairs to the oversized game/bonus room to enjoy family game or movie night ~ Generous sized primary suite is located on the second floor and offers a full bath with walk-in closet, soaking garden tub and separate shower ~ Two additional bedrooms plus another full bath are also located on the second floor as well as a laundry room with built-in shelving ~ Huge fenced backyard features a large back patio and walkway to the firepit area ~ A fantastic place to relax after a long day or entertain friends and family with summer barbecues or smores by the firepit on cool evenings ~ With its prime location, you're just minutes away from top-rated schools, parks, shopping, and dining in the growing Hutto community ~ Just 10 miles from Round Rock, 28 miles from Downtown Austin and easy access to 79, 45 toll and 130 toll ~ Residents have easy access to many neighborhood amenities including Creekside Park, community pool, sand volleyball courts, basketball court and playscape
Source: ACTRIS #8139055
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #8139055
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: #8139055
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.