408 Autumn Leaf Rd, Hutto, TX 78634
4 beds · 3 baths · 2,385 sqft sqft
BETTER THAN NEW! 408 Autumn Leaf offers a highly functional open floor l that is set on an oversized lot. Just minutes from downtown, this home is everything that Hutto has to offer! Upon walking up to the home you're met with beautiful landscaping that is easy to maintain year-round and has a full irrigation system . The spacious front entry way flows to a bonus room / office with abundant natural light. The open concept kitchen/dining/living area allows for easy conversation with family as well as when you are entertaining and flows perfectly to your backyard sanctuary. The kitchen offers an oversized island and a walk-in pantry. The primary suite is on the first floor and overlooks the spacious backyard. The ensuite bathroom offers an oversized shower, his and hers vanities and a huge walk-in closet. The half-bath is just off the kitchen and utility room, also on the first floor. The second story offers three additional bedrooms and a full bathroom. In addition, there is also a bonus room as you just come up the stairs with great natural lighting which also has a nook area perfect for kiddo hangouts, an art or book space or may even work for a desk. The backyard oasis truly can't be put into words - in addition to the covered porch, there are multiple lounging areas and an oversized yard just begging for barbecues, playdates, family dinners and parties! There is room to add a garden or more landscaping, should you desire more. Your two-car garage is fully equipped with organization and epoxy floors. This desirable lot and home are just steps from Hutto Memorial Stadium, HEB, Lowes, Home Depot, Hutto Elementary and much more.
Source: ACTRIS #7964754
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #7964754
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: #7964754
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