4805 Rosaline Dr, Belton, TX 76513
3 beds · 2 baths · 1,564 sqft sqft
...A restful scene unfolds with a greenbelt behind the backyard fence! Mature shade trees grant an eye-pleasing privacy screen and deliver sounds of nature. Located in the coveted Three Creeks subdivision this CenTex built home places you minutes away from Stillhouse Hollow Lake, and conveniently equidistance between the Temple/Belton and the Harker Heights/Killeen areas. This curb-appeal blessed home spans 1564 square feet, offering ample room to live, work, and entertain with effortless ease. Raised, covered portico welcomes the visitors and escorts them into the welcoming interior. The open concept layout seamlessly connects the living, dining and kitchen areas, allowing for family interaction. A twin-set of windows illuminates the spacious living room while capturing a view of the backyard and mature trees beyond. The cook’s delight kitchen offers ample cabinet and granite topped counterspace, a corner pantry, and large center island providing additional workspace and a breakfast bar for snacking or casual family meals. Adjoining the kitchen is the dining area that can easily accommodate any furniture requirements and links to the covered patio and backyard. The primary bedroom is positioned to the rear of the home for parental privacy and presents plush carpeting, strategically placed windows to flank the bed, lighted ceiling fan, and a well-appointed bathroom with huge walk-in shower enclosure, cultured marble topped vanity with dual sinks, and expansive walk-in closet. The hall-bath serves the two minor bedrooms which offer custom blinds, ceiling fans, plush carpeting, and spacious closets. A mini mud room connects to the laundry room as well as the twin car sized garage. Additional welcomed perks include 1 year residential warranty, sprinkler system, water softener, security system, Ring doorbell, storage building, and energy cost saving solar panels that have an assumable lien on it.
Source: ACTRIS #5047526
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #5047526
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: #5047526
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.