5412 Rowlett Creek Way, Mckinney, TX 75070
3 beds · 2 baths · 1,813 sqft
Get a free consultation call with an expert in the mortgage assumption process.
A Life of Ease and Elegance Awaits! From the moment you arrive, this charming townhome welcomes you with timeless stucco and stone architecture and lush, manicured landscaping. It’s a place that immediately feels like home—calm, polished, and beautifully effortless. Step through the front door and you’re greeted by warm hardwood floors, soft neutral walls, and sunlight pouring in through plantation-shuttered windows. To your right, French doors open to a private study—perfect for morning reading, quiet reflection, or the occasional Zoom call beneath the vaulted ceiling. Wander farther in, and the home unfolds into a bright, open living area where a wall of windows frames the outdoors and a cozy fireplace anchors the space. A striking chandelier glows overhead, adding a touch of modern charm. Whether you're entertaining guests or enjoying a quiet night in, this room feels just right. The kitchen is thoughtfully designed for both beauty and function—with granite countertops, a central island, stainless steel appliances, and a gas cooktop ready for your favorite recipes. Subtle under-cabinet lighting and a classic tile backsplash complete the picture. Adjacent to the kitchen, the breakfast nook offers a sunny spot for coffee or a casual dinner with friends. When it’s time to unwind, the primary suite feels like a retreat. Tiered ceilings, a generous walk-in closet, dual sinks, and a spacious spa-style shower create the perfect end to your day. The guest bedroom provides the flexibility to host guests, work on hobbies, or simply stretch out a bit more. Step outside to the covered patio—ideal for a morning paper, a glass of wine at dusk, or just listening to the quiet of the neighborhood. With a rear-entry two-car garage and brand-new windows, every detail here is designed for peace of mind and everyday comfort. This isn't just a home—it's a lifestyle of simplicity, style, and ease, waiting for someone who values beautiful living without the hassle.
Source: NTREIS #20914688
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: NTREIS #20914688
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 and Equal Opportunity Act.