3312 Fort St, Royse City, TX 75189
3 beds · 3 baths · 2,283 sqft
Qualifies for an INTEREST RATE in the 5's, ASK ME HOW! Welcome to your dream home in Royse City, where modern comfort meets the charm of small-town Texas living. Nestled in a cozy suburb of Dallas, this stunning UnionMain Homes property is the epitome of contemporary elegance and family-friendly design. Built in 2020, this residence boasts three spacious bedrooms and 2.5 luxurious baths, ensuring everyone in the family has their slice of comfort. Imagine coming home to vaulted ceilings that create a sense of openness and serenity, complemented by upgraded luxury vinyl floors that combine beauty and durability. The heart of the home features a multipurpose area perfect for an office or a playroom, offering flexibility to adapt as your lifestyle demands. And the spa-like primary bathroom is your personal retreat—featuring upscale fixtures for a rejuvenating experience. Royse City itself beckons with a warm, friendly ambiance that's becoming increasingly rare. With its proximity to Lake Ray Hubbard, you'll enjoy weekend adventures just minutes away from your door. Families will appreciate the A-rated school district, providing peace of mind as children grow and learn. One of the standout features of this property is its oversized 2.5 car garage, providing ample space for vehicles and storage needs. Plus, this lovely home qualifies for 100% financing, meaning you can move in with zero down payment—a rare and significant financial advantage. Don't miss your chance to own a piece of Texas charm combined with modern conveniences. Welcome home to 3312 Fort, where your future awaits in the growing yet close-knit community of Royse City.
Source: NTREIS #20774636
Interest rate and monthly payment estimated based on public records.
Source: NTREIS #20774636
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: #20774636
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.