4209 Mercer Rd, Georgetown, TX 78628
4 beds · 3 baths · 2,420 sqft
Just starting out, starting over or downsizing? Don't wait to build! 4209 Mercer Road is move-in ready with plenty of custom upgrades and an incredible floor plan featuring 4 bedrooms PLUS a dedicated home office and 3 full baths. Inside you'll be greeted by soaring 12 foot ceilings and an open floor plan that connects the living room, kitchen, and dining areas. The kitchen features a gas range with a center island, farmhouse sink and plenty of cabinet and counter space. Large windows flood the space with natural light and custom plantation shutters that have been added throughout the home. The lighting and ceiling fans have been upgraded as well. The owner's suite has lovely views of the backyard, with the attached bath showcasing a walk-in shower, dual vanities, and a large walk-in closet. One of the best things about this floor plan is that there are no shared walls between any of the 4 bedrooms. The second bedroom with its own attached bath is perfect for multi-generation living. The 3rd and 4th bedrooms conveniently adjoin a double vanity bathroom. In addition to the 4 bedrooms, there is a dedicated office with glass French doors that could be used as a 5th bedroom, play room or second living space if desired. Another standout feature is the extended back patio. The appliances, including water softener, and outdoor TV can convey. A 3 car tandem garage, mudroom, oversized laundry room with room for a refrigerator or freezer and a walk in pantry round out the long list of features that make this home so livable. Wolf Ranch has two amenity centers: The Hilltop offers residents beautiful poolside views, playground, indoor lounge, and covered outdoor patio overlooking the San Gabriel River. The brand new River Camp center boasts an indoor fitness center, event hall, patio, large leisure pool with lounging, splash pad, and event lawn. HOA dues also cover security monitoring through Home Pro. Close to dining, medical, retail and the brand new HEB. Georgetown ISD.
Source: ACTRIS #7290017
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #7290017
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: #7290017
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