3510 Blue Spruce Trl, Pearland, TX 77581
4 beds · 4 baths · 4,164 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This home is nestled in the highly sought-after The Villages at Mary's Creek gated community in Pearland! Enjoy a vibrant lifestyle with fantastic amenities: a half-mile lake walkway, large pool, basketball court, and soccer field. Fresh interior paint and updated flooring in select areas bring a modern touch to this charming space. The spacious kitchen is a chef’s delight, featuring a large center island, sleek backsplash, and ample counter space. Retreat to the primary suite, complete with a walk-in closet and a luxurious en-suite bath boasting a brand-new shower, separate tub, and dual sinks with plenty of storage. Every bathroom has been upgraded with new glass shower doors, adding a sleek, modern touch. Motorized window screens throughout the home offer convenience and efficiency, while a newly installed AC unit ensures comfort year-round. Outside, the backyard offers a private oasis with a covered patio and outdoor fireplace overlooking the sprawling lake.
Source: HAR #49318775
Source: HAR #49318775
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.
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.
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.
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.
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 and Equal Opportunity Act.