3536 Cheney Ave, Celina, TX 75009
4 beds · 4 baths · 3,088 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Step into your new life at 3536 E Cheney, where every corner of this home tells a story of comfort, style, and convenience. Built by Shaddock Homes in 2020, this 4-bedroom, 4-bathroom gem is where your next chapter begins. From the moment you enter, you’ll be greeted by the open-concept layout and a gourmet kitchen that begs to be the center of every gathering. Whether you’re whipping up your favorite dish or just chatting with loved ones, the marble countertops and oversized island make it easy to feel right at home. The living room, bathed in natural light, is ideal for anything from lazy Sundays to game nights with friends. And don’t even get us started on the master suite—it’s your personal retreat. With a free-standing tub and a walk-in closet that could double as a dressing room, it’s designed for ultimate relaxation. Upstairs, there’s room for everyone to spread out with the upstairs game room and two secondary bedrooms. A conveniently located laundry room saves you the headache of endless trips up and down the stairs. Beyond the home, Light Farms is all about lifestyle. Imagine spending weekends by the pool, walking the trails, or enjoying community events—all with Prosper ISD’s top-tier schools just a short walk away. So, what do you think? Are you ready to make this house your home? Schedule a tour today and start imagining life at 3536 E Cheney!
Source: NTREIS #20936360
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: NTREIS #20936360
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.
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.