5911 Siltstone Loop, Killeen, TX 76542
4 beds · 2 baths · sqft
This home offers the perfect blend of style, comfort, and practicality, set on over a quarter-acre lot in a highly sought-after neighborhood. From the moment you arrive, the charming front porch with its stone-bordered flowerbeds and striking white stone and brick facade welcomes you with undeniable curb appeal. Step inside to discover a versatile floor plan designed to cater to modern living. The expansive great room is the heart of the home, with gleaming wood floors, a corner fireplace, and a layout that invites relaxation or entertaining. Just off this space is a thoughtfully designed command center, complete with a built-in desk, drawers, and cabinets – ideal for staying organized whether you’re working, studying, or managing household schedules. The gourmet island kitchen is a chef’s dream, boasting a central working island with a breakfast bar, pendant lighting, and plenty of space for meal prep. The adjacent dining area makes every mealtime a joy, whether you’re hosting a dinner party or enjoying a quiet family breakfast. A set of French doors leads to a flexible room that could serve as a formal dining room, a dedicated home office, or a hobby space, depending on your needs. The owner’s suite is a private retreat, featuring high ceilings, crown molding, and a serene bathroom with a generous soaking tub, a separate shower, and plenty of space to unwind after a long day. The thoughtful details continue with a mudroom area equipped with hanging storage and cubbies – perfect for keeping daily essentials tidy and within reach. Outside, a covered patio invites you to enjoy the Texas sunshine, overlooking a spacious backyard ready for play, gardening, or quiet relaxation. Located close to excellent schools, parks, and the best local dining and shopping, this home delivers convenience and comfort in equal measure. It's not just a house; it's where your next chapter begins.
Source: CENTRALTEXAS #563990
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #563990
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: #563990
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.