3425 NW 163rd St, Edmond, OK 73013
3 beds · 2 baths · 1,682 sqft
Welcome to this stunning 3-bedroom, 2-bath home with a dedicated study and tandem garage, nestled in the highly sought-after Ironstone community of Edmond. Boasting elegant updates and luxurious finishes throughout, this home offers the perfect blend of comfort, functionality, and style. The interior features granite countertops in the kitchen and bathrooms, providing a sleek and modern touch. You'll also enjoy the updated lighting throughout the home, enhancing the ambiance in every room. The Monte Cristo iron doors on the front, back, and office entrances add a touch of sophistication and security. The study offers a private retreat with direct access through one of the iron doors, making it ideal for remote work or as a quiet sanctuary. The home also includes updated outlets with USB-C ports, ensuring convenience for your modern devices. Step outside to find a beautifully crafted locking mailbox, along with shiplap accents on both the front and back porches. Whether you're relaxing or entertaining, these outdoor spaces are perfect for enjoying the scenic neighborhood. The home’s attention to detail extends to the exterior, where you'll find a Kodiak shed (8x10) on a concrete slab for added storage. Additionally, the roof has been replaced in 2025 with class 4 shingles, offering durability and peace of mind. The home's exterior features copper finials, drop edge, valleys, and gutters in the front, adding a touch of elegance and long-lasting protection. Freshly painted in 2025, this home is move-in ready and offers an alarm system for added security and peace of mind. The insulated garage door ensures energy efficiency, and the storm shelter can comfortably accommodate up to 8 people, providing safety in case of inclement weather. Inside, you'll find new carpet throughout, adding a soft, fresh feel to the living spaces. This home offers exceptional living in a highly desirable location. Don’t miss the opportunity to make it yours!
Source: MLSOK #1162030
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: MLSOK #1162030
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “Save search” 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 620, 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.