15321 Mount Evans Dr, Little Elm, TX 75068
4 beds · 3 baths · 2,245 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This home is eligible for 0% down with no PMI. Ask the agent for more details! Welcome to this stunning, single-story modern ranch-style home, thoughtfully updated with elegant finishes and contemporary flair! Located in a desirable neighborhood on a quiet, tree-lined street, this gem offers the perfect combination of comfort, style, and tranquility. Beautiful hardwood floors, newer carpet, and ceramic tile flow seamlessly throughout, creating a cohesive and inviting atmosphere. Step inside to discover a bright and welcoming space, highlighted by fresh paint, stylish lighting, and plenty of natural light. The isolated study, featuring elegant glass doors, makes an ideal home office or can easily be transformed into an additional bedroom with a closet rack. The spacious dining room, complete with a dry bar, sets the stage for easy entertaining, while the cozy eat-in kitchen exudes both charm and functionality. The chef’s kitchen is a true standout, with a commercial-grade gas cooktop, a convenient pot filler, a deep single-bowl sink in the center island, and sleek leather-finish granite countertops with a waterfall edge, elevating your cooking experience. The open living room, filled with light from multiple windows, creates an inviting space, complete with a cozy fireplace perfect for relaxing or entertaining. Outside, the generous backyard offers endless possibilities for relaxation or customization—design your own private oasis! Additionally, the home features fully owned solar panels, paid off free and clear, ensuring incredibly low electricity bills and providing long-term savings. This must-see, move-in-ready home seamlessly blends modern and imported upgrades with timeless charm, making it the perfect place to create lasting memories.
Source: NTREIS #20859943
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: NTREIS #20859943
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.
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.
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.
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.
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.
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.
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 and Equal Opportunity Act.