812 NW 190th St, Edmond, OK 73012
4 beds · 3 baths · 2,033 sqft
STUNNING HOME ON A SPACIOUS CORNER LOT IN HIGHLY SOUGHT-AFTER RUSH BROOK NEIGHBORHOOD! Looking for your dream home in Edmond, OK? This breathtaking 4-bedroom, 3-bathroom home in the prestigious Rush Brook neighborhood is a must-see! Perfectly positioned on an oversized corner lot, this move-in-ready two-story home offers modern luxury, an open floor plan, and top-tier community amenities—all in a safe, family-friendly neighborhood. Step inside to a warm and welcoming entryway leading to a bright and airy open concept living space with soaring ceilings, large windows, and a cozy fireplace. The gourmet kitchen is designed for both style and function, featuring ceiling-high custom cabinets, a gas stove, oversized island with a breakfast bar, and stainless-steel appliances. The seamless flow into the dining and living areas makes entertaining a breeze! The oversized primary suite is a true retreat, boasting a tray ceiling, spa-like whirlpool jacuzzi tub, spacious walk-in shower, dual vanities with extra storage, and an expansive walk-in closet. Upstairs, you'll find a private bedroom and full bathroom—ideal for guests, a home office, or a kids' playroom. Step outside to enjoy the huge covered back patio and an expansive backyard—perfect for pets, children playing, or outdoor entertaining. Plus, Rush Brook offers resort-style amenities including a community pool, splash pad, playground, two ponds, common sitting areas throughout the neighborhood, and scenic walking trails. Located minutes from Hwy 74 and Kilpatrick Turnpike, this home provides quick access to top-tier shopping, dining, and entertainment. Enjoy retail therapy at Quail Springs Mall, fun at Main Event, Top Golf, and Flix Brewhouse, and dining at Chisholm Creek’s popular restaurants like Ramsey’s, Razzoos, Firebirds Wood Fired Grill, and more! This home has everything—location, luxury, and lifestyle! It won't last long—schedule your showing today!
Source: MLSOK #1160733
Source: MLSOK #1160733
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.