30708 Berry Creek Dr, Georgetown, TX 78628
4 beds · 3 baths · 2,820 sqft
Set back from the street, on a rare half acre lot, is a beautifully updated, single-story home perfect for everyday living and easily entertaining family and friends. Come in to find an abundance of sunlight in the living room with a wall of windows overlooking the impressive backyard. The whole home is crisp, light and bright. The two large living areas are separated by an impressive see through fireplace. The spacious kitchen is open, but offers some privacy for the home cook to work their magic. The four bedrooms are large with great closet space. There are three full baths. The owner's suite is a true retreat from the rest of the house and has a divine bath. The private, flat backyard is ready for a pool, with so much space left for playing, gardening, and relaxing. 2 car garage with bonus golf cart garage. Roof replaced in 2023. HVAC replaced 2024. Berry Creek Golf Club offers a variety of membership tiers, granting access to top-notch amenities including a championship golf course, tennis courts, and sparkling pool. Serving as a lively social center, the country club provides excellent dining, fitness facilities, and a calendar of engaging events throughout the year. This convenient location allows you to enjoy all Georgetown has to offer, including proximity to major employers, parks and trails, Lake Georgetown, Historic Georgetown Square, and Wolf Creek Town Center--providing a variety of shopping, dining, entertainment, and outdoor activities.
Source: ACTRIS #5415789
Financials
Source: Public records
Source: ACTRIS #5415789
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.