13010 Silver Creek Dr, Austin, TX 78727
4 beds · 3 baths · 2,358 sqft
Don't wait for an agent you can set up your own self guided tour, its free and completely secure. Copy and paste this into your browser (moj.so/8a937b9051) This 3-bedroom, 2-bath home, with an optional 4th bedroom or office, offers a range of modern features and thoughtful renovations for an exceptional living experience. The exterior showcases three sides of classic Austin limestone, a stained wood privacy fence with two gates, energy-efficient Ringer Low-e double-pane vinyl windows, and all-new exterior lighting and fixtures. Fresh landscaping, including mature shade trees, complements the new roof, gutters, siding, and exterior paint. Outdoor living is made easy with a spacious deck and covered patio, while the finished garage provides extra storage and convenient openers. Inside, the updated kitchen boasts new cabinets with sleek quartz countertops, a stylish tile backsplash, and brand-new Whirlpool appliances, including a gas range, vent hood, dishwasher, and refrigerator. An undermount sink with a push-button garbage disposal, floating shelves, and under-cabinet lighting complete the modern design. The bathrooms have been fully remodeled with new vanities, countertops, toilets, tile, and plumbing fixtures. The primary bathroom features a luxurious walk-in shower with a dual-function showerhead and handheld sprayer. Throughout the home, all-new lighting and ceiling fans are equipped with energy-efficient LED fixtures. The living room features a beautiful stone fireplace with a gas starter, perfect for cozy evenings. A new Carrier HVAC system with updated ductwork and an Ecobee programmable thermostat ensures year-round comfort, while a new tankless gas water heater provides endless hot water. The versatile office or 4th bedroom, located on the main floor, features elegant French doors, offering a perfect space for remote work or guests. North Austin, this home provides easy access to major highways, shopping centers, and top-rated schools, Apple and Domain.
Source: ACTRIS #1339786
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #1339786
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: #1339786
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.