4908 Sydney Harbour Ct, Killeen, TX 76549
3 beds · 2 baths · 1,828 sqft
"Welcome to this beautiful 1828 sq ft, 3-bedroom, 2-bathroom home nestled on a quiet street in Killeen close Ft Cavazos and the airport This home features an open, light-filled layout with no carpet, offering easy maintenance and modern appeal. The spacious primary suite boasts an oversized walk-in closet, double vanities, a deep soaker tub, and solid surface countertops in the bathroom. An office provides extra space for work or hobbies. Outside, you’ll find a large 12x16 insulated workshop—perfect for projects or additional storage. This home offers everything you need in a peaceful setting. Schedule your tour today!" Improvements/Updates Pressure-washed and freshly painted exterior - 2024 New 30yr roof (house & shed) - 2022 LED lighting was installed in the kitchen, laundry/pantry, hallway, and master closet - 2020. LED light bulbs were added throughout all other fixtures New xlarge ceiling fan with LED lighting & remote control in the living room - 2023 New light fixture in dining/eat-in kitchen area - 2021 New 3.5-ton, 14 SEER HVAC with 15 KW aux heat strips (inside and out) - April 2021 (10yr warranty - ownership transfer available) New 50-gallon high-efficiency water heater - 2021 New black & stainless kitchen appliances (dishwasher, stove, OTR microwave & refrigerator) Fall 2020 Exterior lighting upgraded 2021 (front porch has motion sensor) Four hardwired wired Lorex 4k security cameras with night vision (2020) to convey (self-monitored via security station or phone app); Cloud storage and Amazon Alexa/Google Assistant integration available. Gutters installed in 2021, tied into French drains French drains (along the right and left of the property) installed in 2021 10 ft gate added to the left side of the property Large, 12x16ft insulated workshop built in late 2020 6ft wooden privacy fence maintenance performed - 2024 (replaced broken pickets and 4x4s as needed - 4x4s replaced with 12guage metal posts); painted entire fence
Source: ACTRIS #5959052
Interest rate and monthly payment estimated based on public records.
Source: ACTRIS #5959052
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: #5959052
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.