8915 Hidden Oaks Dr, Temple, TX 76502
3 beds · 2 baths · 1,645 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Step into a world of endless possibilities at 8915 Hidden Oaks. This exquisite home boasts a harmonious blend of modern elegance and cozy charm, designed to elevate your everyday living. The heart of the home, a chef's dream kitchen, features sleek stainless-steel appliances, crisp white cabinetry, and gleaming granite countertops, perfect for culinary adventures and entertaining alike. Unwind in the inviting living room, where natural light floods through large windows, creating a warm and welcoming atmosphere. The primary bedroom serves as a private retreat, complete with an en-suite bathroom and ample space for relaxation. Two additional bedrooms offer versatility for family members or guests, while the dedicated office space caters to your work-from-home needs. Indulge in the luxury of two impeccably designed bathrooms, each showcasing contemporary fixtures and finishes. The laundry room adds convenience to your daily routine, while the dining area, seamlessly connected to the kitchen, sets the stage for memorable meals and gatherings. Throughout the home, stylish wood-look flooring, plush carpeting, and a neutral color palette create a canvas for your personal style. Thoughtful touches like ceiling fans and modern light fixtures enhance both comfort and aesthetics. This single-story layout offers effortless living and entertaining, with a harmonious flow between spaces. Whether you're hosting friends in the open concept living area or enjoying a quiet evening on the patio, this home adapts to your lifestyle. Embrace the opportunity to make this house your home and start living the life you've always dreamed of at 8915 Hidden Oaks. Motivated Sellers!
Source: CENTRALTEXAS #563085
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: CENTRALTEXAS #563085
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.