3102 Julie Ln, Killeen, TX 76549
3 beds · 2 baths · sqft sqft
Welcome to this charming 3-bedroom, 2-bathroom home in the heart of Killeen, TX. Nestled on a corner lot just a couple of blocks from Palo Alto Middle School, this approximately 1,797 sq ft residence offers both convenience and comfort. Step into the inviting living room with its vaulted ceiling and featured wall with wood-burning fireplace, boasting a floor-to-ceiling wood surround and raised tile hearth. The adjacent dining area is bathed in natural light, thanks to the sliding door that opens to the backyard. The kitchen is a chef’s dream, featuring elegant white cabinetry with crown molding that reaches the ceiling, granite countertops, a tile backsplash, and stainless-steel appliances. The master suite is a true retreat with a spacious bedroom and an ensuite bathroom equipped with dual sinks and a large walk-in shower with an elegant tile surround and a convenient wall niche. The hall bath offers a tub/shower combo, also adorned with a stylish tile surround. Enjoy the warmth of laminate flooring throughout the home, with tile in the bathrooms for easy maintenance. The spacious laundry room is conveniently located inside the home. Outdoor living is a pleasure with a covered back patio with a wood decking floor, a fully fenced backyard, a cozy fire pit, and a metal shed on a wooden platform. The two-car garage features separate one-car doors, providing ample storage and parking space. With its prime location less than 2 miles from Walmart, shopping, restaurants, and easy access to Interstate 14, this home offers both comfort and convenience. Don’t miss your chance to make this beautiful property your new home.
Source: CENTRALTEXAS #551875
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #551875
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: #551875
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.