605 Bethlehem St, Terrell, TX 75160
4 beds · 2 baths · 1,967 sqft
Get a free consultation call with an expert in the mortgage assumption process.
**PRICE REDUCTION!** Drive up to this beautifully maintained single-story home, built in 2022, and be welcomed by a charming front porch-perfect for sipping morning coffee or winding down in the evening. Inside, fresh new paint and decorative crown molding add a refined touch to the hallway, living room, and kitchen. The open-concept kitchen is truly the heart of the home, featuring floor-to-ceiling white cabinetry, a stylish subway tile backsplash with a custom decorative accent above the stove, and gleaming granite countertops that bring it all together. Comfort meets style with cozy carpeting in all bedrooms and modern wood-look ceramic tile throughout the rest of the home. Near the garage entry, a spacious bonus area provides flexible options—ideal for a mud room, pet zone, or extra storage space tailored to your needs. The primary suite is a peaceful retreat, complete with a jetted soaking tub, a large tiled walk-in shower with inset shelving, a separate water closet, and a generously sized walk-in closet. A dedicated utility room adds everyday convenience, offering built-in cabinets, a folding area, a utility sink, and room for a full-size washer and dryer. All four bedrooms are spacious, and the secondary bathroom is thoughtfully designed with double sinks and a tub-shower combo, making it perfect for guests or family. Step outside to enjoy a spacious backyard with a covered patio, ideal for grilling, relaxing, or entertaining under the Texas sky. Perfectly situated just a short walk from Breezy Hill Park—ideal for dog walks or family fun at the playground—and only minutes from shopping, dining, and entertainment at the Shops of Terrell and Crossroads at Terrell ...Yes, Buc-ee’s is just around the corner. This home offers the perfect blend of comfort, style, and location.
Source: NTREIS #20898581
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 #20898581
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.