4800 Rockcreek Ln, Plano, TX 75024
3 beds · 3 baths · 2,367 sqft
PRICE DROP! Welcome to your dream home nestled in a desirable Plano neighborhood that is zoned for award-winning Frisco ISD! This move-in ready 3-bedroom, 2.5-bathroom, 2-story gem boasts extensive updates throughout, offering both comfort and peace of mind for years to come. Step inside to discover beautiful wood floors and fresh interior paint that brightens the entire space, complemented by stylish new quartz kitchen countertops and freshly painted cabinets. The home features a desirable floor plan with the primary bedroom downstairs. The main level also includes 2 open concept living and dining areas: great spaces for entertaining or relaxing. Upstairs, you’ll find two spacious bedrooms, a second full bathroom, and a huge loft that offers flexible space for a media room, game area, home office, or playroom. Almost every inch of this home has been refreshed or replaced. Extensive improvements include NEW ROOF (2024), NEW upstairs AC UNIT (2024) and thermostats, new ductwork, new French drain in the front yard, new light fixtures, new mailbox, new doors, and more. A high-quality water purifier and softener system was also added in 2024. The private backyard opens to a beautiful greenbelt and creek—providing a peaceful, nature-filled backdrop you’ll enjoy year-round. This home offers a perfect blend of thoughtful upgrades and long-term reliability. It's a true standout option in a prime location. Don’t miss your opportunity to own this updated, well-maintained property close to top-rated schools, shopping, dining, medical facilities and major highways. Schedule your tour today!
Source: NTREIS #20883006
All values shown are estimated costs / mo.
Source: Public records
Source: NTREIS #20883006
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 of Equal Opportunity Act.