8102 Kings Ct, Rowlett, TX 75089
4 beds · 4 baths · 3,882 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This stunning four bedroom (study could be 5th bedroom), four bathroom home is situated on a gorgeous corner lot that is located across from the community water park, tennis court, pond and playground. Upon entry, you are welcomed by a stunning wrought iron staircase. Off the entry is the formal dining and formal living rooms. The cozy office features a fireplace, wood work and is perfect for your at home office. The oversized, light filled living room features cathedral ceilings, a stunning fireplace and large windows that overlook the backyard and pool. The kitchen showcases granite countertops, stainless appliances, gas stove, island that is perfect for hosting family and friends. The primary suite is oversized and includes a double sided fireplace. The primary bath is huge with a custom walk in closet, double vanities and a double sided fireplace. The downstairs has stunning hardwood floors and the upstairs has luxury vinyl wood floors. The upstairs features three additional large bedrooms with spacious closets. Full entertainment options upstairs with the game room that includes a pool table that will stay with the home. The media room is ready for movie night with movie chairs and a projector, that with also remain with the home. Step outside to paradise with the arbor that has a fireplace to relax by, lovely pool and spa and a large patio. The garage is also fully air conditioned and the roof was replace March 2025, along with the gutters and newly stained fence. The community amenities include a golf course, waterpark, walking trails, tennis court, park, playground and a clubhouse. This is a must see home!
Source: NTREIS #20868621
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 #20868621
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 of Equal Opportunity Act.