2013 Josiah Cv, Leander, TX 78641
3 beds · 2 baths · 2,064 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 2013 Josiah Cove! This home has been beautifully maintained and pre-inspected for a seamless transition to its fortunate new owner! The spacious home rests on a friendly cul-de-sac lot with inviting curb appeal, featuring a stone/stucco facade complemented by lush landscaping. Inside, the home offers a functional layout with a dedicated home office and a versatile flex space off the living room. Whether you need a formal dining area, a playroom, a reading nook, or a home gym, this space can easily adapt to your lifestyle. The three bedrooms maintain their intended purpose thanks to the home's numerous versatile spaces! The stunning kitchen is adorned with rich espresso cabinetry, quartz counters, built-in appliances, including a gas range and modern range hood, and a spacious island that connects to the living and dining spaces. Wood-look tile flows seamlessly through all common areas, the office, and bathrooms, providing a cohesive and low-maintenance design. Enjoy fresh air on the screened-in porch, or spend time relaxing or entertaining in the large backyard. The backyard features a mulched area ideal for a playscape or an evening lounge setting—let your imagination soar! Located in the desirable Palmera Ridge community, residents enjoy excellent amenities, including a pool/lap pool, park, amenity center, and trails. The highly-rated Tarvin Elementary School is conveniently located within the neighborhood, and Wylie Middle School and Glenn High School are just 4-7 miles away! Additionally, enjoy quick access to 183A and HWY 29, as well as two HEB locations, including a brand-new one. Discover your next adventure in this beautifully maintained and versatile home—schedule a viewing today!
Source: ACTRIS #1779881
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: ACTRIS #1779881
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 of Equal Opportunity Act.