1506 Neff Dr, Copperas Cove, TX 76522
4 beds · 3 baths · sqft
Welcome to this thoughtfully maintained two-story home, perfectly located within walking distance of schools and the city park—a place where everyday life seamlessly blends with comfort and style. Step into the heart of the home: a kitchen designed to bring people together. With its gleaming granite countertops and center island, this space is perfect for morning coffee chats, evening meal prep, or helping with homework while whipping up a family favorite. The open layout flows effortlessly into the family room, ensuring you’re always part of the conversation, whether hosting game nights or enjoying cozy evenings with loved ones. Upstairs, the master bedroom offers a retreat of grand proportions—a space so generous it easily becomes your personal sanctuary. Start your day refreshed in the spa-like en-suite bathroom, featuring a luxurious jetted tub perfect for unwinding and dual walk-in closets that keep life beautifully organized. The additional bedrooms provide comfort and flexibility for family, guests, or hobbies, while the loft invites you to create a home office, playroom, or a dedicated space for movie marathons and board games. Outside, the backyard becomes your personal haven. Picture sunny weekends filled with barbecues, quiet afternoons in the garden, or stargazing with a warm drink in hand. This is more than just a house—it’s where your memories will be made. With schools and parks just a short walk away, this home offers the convenience you need and the lifestyle you’ve been dreaming of. Don’t miss the chance to call it yours.
Source: CENTRALTEXAS #563678
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #563678
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: #563678
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.