10916 Smoky Oak Trl Argyle, TX 76226
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About this home
As though lifted from the pages of a home design magazine, this exquisite Toll Brothers estate had been customized with decorator, design & material choices found in multi-million dollar estates. This St Thomas plan with added media room has been adorned with the best in lighting, counters, flooring, tech savvy sound, electronic & energy efficient upgrades & plantation shutters. Live unforgettable days in the resort-caliber, first class destination outdoor space with a custom 17,000 gallon play pool with Pebbletec finish and water features, covered patio & separate pergola area overlooking the pool. Enter this masterfully designed home through a mahogany door with ornate iron insert & rain glass to find midnight-tone maple wood floors that grace most of the main level, stairway & game room. 4 living areas! The foyer is flanked on 1 side by a stately study with elevated ceiling & French doors & a curated main dining room on the other. Dramatically elegant main living with showstopping gas fireplace with marble surround & picture windows with breathtaking views of your personal backyard escape. Culinary masterpiece kitchen with stainless steel KitchenAid appliances showcasing a 5-burner gas cooktop, double ovens, quartz counters, subway tile backsplash, a coffee bar-butler's pantry & walk-in pantry. Enjoy peaceful meals at the combination island-breakfast bar or in the breakfast room. The primary bedroom at the back of the home has a 13' tray ceiling & an opulent ensuite bath with spacious walk-in closet, 2 quartz vanities, luxurious soaking tub & separate shower. Find a 2nd primary suite down with a walk-in closet & ensuite bath. At the top of the dramatic stairway with wrought iron balusters, find a spectacular game room with wood floors & a WIC, a secluded media room with double doors, a wet bar with beverage fridge & extensive seating, 2 generous size beds & a full bath with a quartz vanity. You have reached your final destination- Welcome Home!
Source: NTREIS #21097340
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FAQs
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.
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 580, 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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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