6305 Sage Creek Dr, Godley, TX 76044
4 beds · 4 baths · 3,256 sqft
ASSUMABLE LOAN! Interest rate at 2.625% Rarely does an opportunity arise to experience a home of this caliber—a custom-built retreat on 2.2 acres that blends sophistication, functionality, & luxury. Offering 4 spacious bedrooms, 3.5 opulent bathrooms, a game room, butler's pantry, mudroom, & laundry room with a built-in pet washing station, this home is designed for both comfort & style. As you approach, the charming courtyard sets the tone for the grandeur awaiting inside. Step through the front doors, where you’re greeted by abundant natural light & soaring vaulted cathedral ceilings with stunning beams. The chef’s kitchen is a dream with a coffee bar, six-burner gas range with a griddle, custom vent, pot filler, butler’s pantry with an additional oven, & a 5-in-1 Microwave Oven with Advantium Technology. Built-in fridge & dishwasher seamlessly blend into custom cabinetry, creating a sophisticated, cohesive look. The master suite is a private retreat with a reading nook & desk area. The spa-inspired primary bath features dual vanities, a Hollywood tub, & oversized walk-in shower with dual showerheads. All bedrooms feature walk-in closets, with the two secondary bedrooms sharing a Jack & Jill bath for convenience & privacy. A custom-designed room offers full-size bunk beds, custom lighting, & a full bath nearby. The game room is perfect for entertaining with a dry bar & ensuite half bath. The home includes a 3-car garage with additional space, a beautiful mudroom, & abundant storage throughout. Electric blinds are installed in the primary bedroom, back patio, & garage. Step outside to the backyard oasis featuring a built-in gas grill, smoker, & sink, all designed for the ultimate outdoor experience. This home isn’t just a residence—it’s a lifestyle.
Source: NTREIS #20852945
Financials
Source: NTREIS #20852945
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.