2108 Civet Trl, Harker Heights, TX 76548
4 beds · 4 baths · 3,275 sqft
Get a free consultation call with an expert in the mortgage assumption process.
LOOKING FOR A DESTINATION FAMILY OASIS?? THIS IS IT!! Dive in and be refreshed in the cool oasis that is the in-ground pool with a limestone waterfall and hot tub that highlights the backyard. Start making lifelong memories with pool parties all summer long and enjoy the sun on the accompanying deck that surrounds the pool and the open patio. Life is good in this spacious home nestled in the desirable Harker Heights area. Classic landscaping and side entry garage adds to the pleasing appeal in front. A room for every occasion fills the interior and each space has elegant details. Make every birthday celebration special in the formal dining room with wood floors and distinctive crown molding. The living room has a unique ceiling and one of two fireplaces in the home. Keep the home organized from the huge office with glass front French doors. Invite everyone to lend a hand in the kitchen since this one has room for all of the cooks to join. The island kitchen has an abundance of counter and cabinet space, a built-in wine rack, glass front cabinets and pendant lighting above the wraparound breakfast bar. The second fireplace highlights the family room with recessed lighting and crown molding. The spacious owner's suite has surround sound in the bedroom, jetted tub with separate walk-in shower and 2 walk-in closets in the bath. Two of the minor bedrooms are connected by a Jack & Jill bathroom. One more spot to sit back and relax is the air-conditioned sunroom with scored concrete floors and a wall of windows overlooking the pool. The storage shed and RV pad with electricity round out this amazing property! This is truly a one of a kind property!
Source: CENTRALTEXAS #573026
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALTEXAS #573026
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.