2640 Cowgirl Trl, Belton, TX 76513
4 beds · 3 baths · sqft sqft
MOVE IN READY !! Welcome to 2640 Cowgirl Trail, an exquisite 4-bedroom, 3-bathroom haven nestled in Belton, Texas. This stunning residence effortlessly blends modern luxury with timeless charm, offering an unparalleled living experience for you and your family. Step inside and immediately feel the welcoming embrace of the open-concept design, where every room flows seamlessly into the next, perfect for entertaining or quiet family evenings. The kitchen is a culinary dream, featuring elegant marble countertops, sleek cabinetry, and high-end appliances, creating a space as functional as it is beautiful. The wood-like tile flooring throughout the home adds a touch of sophistication, while the plush carpet in each bedroom ensures warmth and comfort. The master suite is a true retreat, boasting a luxurious walk-in shower, custom crown molding, and a tranquil ambiance that invites relaxation after a long day. This home is also equipped with a Google smart home system, allowing you to control everything from lights to climate with just a few taps on your phone. You'll appreciate the whole-house water softener, ensuring your appliances and fixtures last longer while providing soft, luxurious water at every tap. The mother-in-law plan adds convenience and privacy, making it the perfect setup for guests or extended family members. The beautifully manicured yard, kept pristine by a built-in sprinkler system, is the perfect backdrop for summer BBQs or peaceful mornings with a cup of coffee. Every detail has been thoughtfully designed, from the elegant finishes to the crown molding, making this home the perfect blend of comfort and style. Don’t miss your opportunity to own this dream home in one of Belton’s most desirable neighborhoods! Schedule your private tour today, and make this your home! Refrigerator/Washer & Dryer / Freezer and Water Softener System all convey with property!! Seller will contribute toward buyer closing costs!
Source: CENTRALTEXAS #555987
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #555987
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: #555987
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.