5013 HACIENDA DR, Killeen, TX 76549
Welcome Home to Serenity and Convenience! ?? Nestled in the heart of a vibrant community, this beautiful two-story residence exudes charm and elegance with its timeless stone and brick finish. As you approach, be greeted by the picturesque front landscaping, boasting a meticulously maintained mulched flower bed and two flourishing young trees, creating a welcoming ambiance from the moment you arrive. Step inside the 2,572 square foot abode and be immediately captivated by the grandeur of the foyer, where a graceful staircase beckons you to explore further. To the left, discover the epitome of comfort in the spacious master bedroom, complete with a versatile loft area that can adapt to your lifestyle needs. The accompanying master bath offers a luxurious retreat with a double vanity, garden tub, separate shower, and a generously sized walk-in closet, ensuring tranquility and relaxation at every turn. Continuing through the home, the spacious living room welcomes you with open arms, seamlessly flowing into the open kitchen and dining area, perfect for hosting gatherings and creating cherished memories with loved ones. Convenience is key in this thoughtfully designed home, with the laundry room located off the kitchen, adjacent to the entry and exit points of your two-car garage, ensuring effortless transitions between indoor and outdoor living. Venture upstairs to find a grand loft area offering endless possibilities for customization, along with four additional bedrooms and a shared bathroom, providing ample space for family members or guests. Situated just minutes away from a newly built elementary school and the bustling hub of Fort Cavazos, and with the regional airport conveniently located a short distance off Clear Creek Road, you'll enjoy the perfect blend of tranquility and accessibility. Don't miss the opportunity to make this dream home yours!
You may be able to put down less than the total down payment amount of $124,457 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #1418241
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.