421 Evening Star, Kyle, TX 78640
5 beds · 3 baths · 2,927 sqft
Spacious & Affordable Family Haven! Discover your dream home in this stunning 5-bedroom, 3-bath residence, featuring a durable stone and brick exterior. Enjoy energy efficiency with natural gas and an oversized 2.5-car garage, perfect for all your storage needs. Step inside to an expansive open floorplan that flows seamlessly throughout the living areas. The gourmet kitchen is a chef's delight, boasting granite countertops, beautiful wood cabinets, and a stylish tile backsplash. High ceilings, arched doorways, and elegant art nooks enhance the home's charm, showcasing countless upgrades. Retreat to the large master suite, complete with a luxurious garden tub and a separate shower—your personal oasis for relaxation. Freshly painted with brand-new carpet, this home is ready for you to move in and make your own. Set in a family-friendly neighborhood, you'll appreciate the beautifully landscaped surroundings, perfect for outdoor gatherings. Enjoy access to the community pool and nearby amenities, with convenient proximity to IH-35 for easy commuting and shopping. Plus, you're just a short drive from vibrant downtown Austin! Don't miss this incredible opportunity to own a spacious, quality home in a great location—schedule your showing today!
Source: ACTRIS #7503492
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #7503492
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: #7503492
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.