13001 Ryden Dr, Live Oak, TX 78233
3 beds · 2 baths · 1,510 sqft
Welcome to your dream residence! This stunning 3-bedroom, 2-bathroom home in beautiful Live Oak is adorned with upgrades galore, exuding charm at every turn. Step inside to discover the elegance of southern yellow pine hardwood floors that grace the spacious living areas, creating an inviting ambiance for both relaxation and entertainment. The heart of this home lies in its gourmet kitchen, adorned with new countertops, a custom kitchen island which offers ample storage space for dining as well as all your culinary essentials. Whether you're whipping up a quick meal or hosting a dinner party, this kitchen is sure to impress even the most discerning chef. Downstairs, you'll find built-in shelf space that's perfect for staying organized and clutter-free. The open floor plan seamlessly connects the living, dining, and kitchen areas, creating a perfect flow for everyday living and hosting gatherings with friends and family. Upstairs boasts a large master bedroom with updated bathrooms and flooring. Step outside to discover your own private oasis in the beautiful backyard. Whether you have a green thumb or simply enjoy soaking up the sunshine, this outdoor space is ideal for gardening, relaxing, and making memories. Conveniently located just minutes from I-35 and 1604, as well as Randolph Air Force Base (and only 13 miles from Fort Sam/JBSA!) as well as a plethora of dining and entertainment options, this home offers the perfect blend of comfort, style, and convenience. Don't miss your chance to make this well-loved gem your own - schedule a showing today and prepare to fall in love!
Source: SABOR #1774390
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1774390
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: #1774390
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.