6612 Orchard Park Dr, Mckinney, TX 75071
5 beds · 6 baths · 4,072 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Prepare to fall in love with 6612 Orchard Park—an enchanting blend of timeless design and modern luxury nestled in one of McKinney’s most desirable neighborhoods. From the moment you arrive, this stately home makes a lasting impression with its manicured landscaping, stone elevation, and grand entryway that welcomes you with warmth and grace. Step inside to discover soaring ceilings, expansive windows, and a thoughtfully designed floor plan that offers both form and function. Natural light dances through every room, highlighting rich hardwood floors, elegant crown molding, and architectural details that set this home apart. The spacious formal dining room is ideal for hosting holidays or intimate dinner parties, while the executive home office—with French doors and custom-built-ins—offers a quiet sanctuary for working or dreaming. At the heart of the home is a chef’s kitchen that checks every box: double ovens, a gas cooktop, an oversized island with seating, granite countertops, and abundant cabinetry. The kitchen flows seamlessly into a warm, inviting living area with a stone fireplace and a wall of windows framing the backyard oasis. The primary suite is a true retreat on the main level—featuring a large sitting area, spa-inspired bathroom with a soaking tub, walk-in shower, dual vanities, and a generous walk-in closet. Upstairs, you’ll find an oversized game room, media room, and three spacious secondary bedrooms—each thoughtfully positioned for privacy and comfort. Step outside to your very own backyard haven. A covered patio invites you to relax with morning coffee or host al fresco dinners under twinkling lights. Every detail of this home speaks to pride of ownership and intentional design. Zoned to top-rated schools, and conveniently located near shopping, dining, parks, and major commuting routes
Source: NTREIS #20894863
All values shown are estimated costs / mo.
Source: Public records
Source: NTREIS #20894863
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.