9417 N Creek Dr, Austin, TX 78753
3 beds · 2 baths · 1,050 sqft
This stunningly remodeled home is in the heart of Austin’s desirable 78753 neighborhood. Offering modern design, thoughtful upgrades, and exceptional attention to detail, this home is perfect for those seeking style and comfort in a prime location. Step inside and be greeted by an open floor plan with a seamless flow from the kitchen to the living room. The kitchen features a sleek breakfast bar, durable TrueColor™ laminate cabinets, two large pantry cabinets for ample storage, and gorgeous Calacatta Forza quartz countertops. Stainless steel appliances, including a slide-in range, dishwasher, and vent hood, complete this contemporary culinary space. Conveniently, the laundry room is located inside the home, next to the kitchen, ensuring practicality meets style. The interior boasts newly painted walls, ceilings, trim, and doors, complemented by Dove Tail Oak Gray luxury vinyl flooring, which is waterproof, wear-resistant, and scratch-resistant. Bathrooms have been updated with elegant tile, modern vanities, a new tub, and chic plumbing fixtures, with a pocket door separating the full and half baths for added convenience. Energy efficiency is prioritized with newly installed blown-in attic insulation, Ply-Gem double-pane energy-efficient windows, and LED lighting throughout, saving you money while reducing your carbon footprint. The home is powered by a 2.5 Ton 14 SEER Bryant Air Conditioner Condenser, ensuring year-round comfort. The exterior features fresh paint, new siding, and a stylish new entry, garage, and sliding door. The backyard includes newly installed picket fencing, perfect for privacy and outdoor enjoyment. With every detail thoughtfully addressed, this fully remodeled home is move-in ready and truly one-of-a-kind. Don’t miss the opportunity to own a property that combines beauty, efficiency, and practicality.
Source: ACTRIS #3818710
Source: ACTRIS #3818710
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.