2021 Rustling Oaks Dr, Harker Heights, TX 76548
6 beds · 4 baths · 2,888 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled in the heart of Texas, this exceptional residence offers a unique blend of spacious living and luxurious amenities at an unbeatable price point under half a million dollars, while looking like a million dollar home! This Carothers Home offers 4 bedrooms, plus an office, and 2.5 bathrooms stretched over 2403 sqft. It has a spacious 3-car garage and extended, stained driveway provide ample space for outdoor enthusiasts to park their RVs, boats, and trailers. Recent updates include a fresh coat of paint and new flooring throughout the home. The roof has also been replaced (June 2024), as well as the fence with an upgrade to 8' privacy metal fence on the back, and 6' on the sides. The kitchen features an upgraded electric smart cooktop in black ceramic. It comes with all the works, granite countertops, custom cabinets, deep kitchen sink. The dining room is a separate space with wainscotting trim and coffered ceiling. The living area is also adorned with coffered ceilings. All recessed lighting comes with a dimmable feature. The main bedroom has trace lighting with wrought-iron chandelier fan to create an warm ambiance The enclosed back patio includes an additional kitchen area and outdoor fans. Two supplementary living units, including a spacious She-Shed and Guest Bunkhouse offer additional 484 sqft of climate-controlled living spaces with various uses. The bunkhouse includes an additional 1 bed, 1 bath, living and kitchen area with modern light fixtures, granite countertops, custom cabinets. The sod is new and just laid and compliments the rear rock bed. The Sellers included a bolted gun safe and new cookware as a gift to the future buyer(s). Ya'll get to scheduling your private tour and bring your walking shoes! It's as big as the Great State of Texas!
Source: CENTRALTEXAS #576293
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: CENTRALTEXAS #576293
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.