2536 Red Fern Dr, Harker Heights, TX 76548
4 beds · 3 baths · sqft
Welcome to Your Dream Home in Skipcha Mountain Estates! This beautifully designed two-story traditional home offers a perfect blend of style, comfort, and functionality in the highly sought-after Skipcha Mountain Estates. With 4 spacious bedrooms, 2.5 baths, and over 3,100 square feet of living space, this home is ideal for those seeking room to grow and entertain. Key Features: Living Spaces: Three versatile living areas provide options for relaxation, entertaining, or creating the perfect home office or playroom. Dining Options: Two dining areas, including a formal dining room and a breakfast area, ensure plenty of room for hosting gatherings. Chef’s Kitchen: Granite countertops, a center island, and a walk-in pantry combine elegance and practicality. The open layout connects seamlessly to the family room for effortless entertaining. Primary Retreat: Upstairs master suite boasts a walk-in closet, garden tub, separate shower, and double vanities, offering a luxurious space to unwind. Outdoor Oasis: The covered patio overlooks the fenced backyard—ideal for outdoor dining, play, or gardening. A zoned sprinkler system ensures low-maintenance landscaping. Additional Amenities: Modern finishes, recessed lighting, and a built-in water softener enhance the home’s appeal. Situated on a 0.19-acre lot, this home enjoys proximity to Mountain View Elementary, Union Grove Middle School, and Harker Heights High School within the Killeen ISD. Easy access to Stillhouse Lake Road and nearby amenities adds convenience to everyday life. Don’t miss this opportunity to own a stunning home in a thriving community. Join us for an Open House on Saturday, November 23rd, from 12:00 PM to 2:00 PM, and experience the charm of Skipcha Mountain Estates firsthand!
Source: CENTRALTEXAS #562646
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #562646
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: #562646
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.