211 Wilma Pass, Kyle, TX 78640
4 beds · 3 baths · 2,412 sqft
211 Wilma Pass, Kyle, TX - A Modern Gem in Grist Mill Highlands Get this home with NO MONEY DOWN, NO PMI, 30 Year Fixed rates with the H.O.P.E loan! Welcome, to his beautiful 2021-built home in the sought-after Grist Mill Highlands community is move-in ready! With 2,412 square feet of living space, this 4 bedroom, 2.5 bath residence offers the perfect blend of comfort and style. The moment you step inside, you'll be greeted by a bright and airy open-concept layout, where the living room seamlessly connects to the dining area and kitchen. This design is ideal for both daily living and entertaining guests. The kitchen is a chef's dream, featuring granite countertops, stainless-steel appliances, island, pantry. Imagine preparing delicious meals while still being part of the conversation and enjoying the company of family and friends. The first-floor primary suite is a true retreat, complete with an on - suite spacious bathroom and closet, providing a peaceful haven to unwind after a long day. Upstairs, you'll find three additional bedrooms and a loft, offering flexibility for a home office, playroom, or guest space. Step outside onto the covered patio and enjoy the well manicured lawn while sprawling out in your favorite hammock. This outdoor space is perfect for weekend barbecues, relaxing evenings, or simply enjoying the Texas sunshine. This home offers more than just beauty and functionality. It's also energy-efficient, with features like energy-efficient windows and appliances, helping you save on utility costs. And when you're ready for some recreation, Grist Mill Highlands provides fantastic amenities, including a park, playground, sport court, and walking trails, all within easy reach. Located in a prime spot in Kyle, you'll enjoy convenient access to shopping, dining, and entertainment options. Plus, with easy access to I-35, commuting to Austin and San Marcos is a breeze.
Source: ACTRIS #4716301
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #4716301
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: #4716301
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.