828 Cobalt Dr, Celina, TX 75009
5 beds · 4 baths · 4,316 sqft
Welcome to this stunning, corner lot home in the sought-after Celina ISD. This popular, spacious First Texas floor plan offers 4,316 square feet of luxurious living space, featuring 5 bedrooms, 4 bathrooms, a private study that could be a 6th bedroom, open game room, and separate media room. The open-concept layout is perfect for both entertaining and everyday living with primary bedroom and second bedroom option with full bath on the first level. Upon entering, you'll be greeted by the breathtaking, grand, circular staircase, a true focal point of the home. The connected formal living and dining rooms are currently combined as an oversized dining room offering an elegant space to host gatherings. The chef-inspired kitchen boasts a breakfast bar, kitchen island, gas cooktop, double ovens, butler’s pantry, pot and pan drawers, walk-in pantry and farmhouse sink. Enjoy meals in the eat-in breakfast area, or step outside to the extended covered patio overlooking the sparkling new pool—perfect for outdoor relaxation. The living room is open to the kitchen and eat-in dining making for seamless entertaining. The gorgeous, two-story rock fireplace with gas logs creates a warm and welcoming atmosphere in the living room, while the secluded master bedroom is conveniently located downstairs for ultimate privacy. On the first level you will also find a private study and full bath that would make a perfect guest suite. Upstairs, you'll find 4 spacious bedrooms, including two connected by a Jack-and-Jill bathroom. Completing the upstairs is an open game room and fully equipped media room. Additional highlights of this immaculate home include solar panels for energy efficiency, and close proximity to the community amenities, including a pool, parks, playgrounds, & walking trails. Plus, O'Dell Elementary is just a short walk away! The backyard is truly an oasis with sparkling, new pool, extended patio & artificial turf! This home truly has it all—luxury, space, and convenience.
Source: NTREIS #20876634
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 #20876634
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.