122 Mossy Rock Cv Hutto, TX 78634
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About this home
4 Bedrooms + Office | 2.5 Bathrooms | 2,647 Sq Ft | Corner Lot | Built 2007 | Hutto ISD Welcome to Creek Bend, where comfort meets convenience in this beautifully updated two-story home nestled on a corner lot backing to a peaceful greenbelt. Designed for efficiency and peace of mind, the property features 32 LG solar panels (paid off at closing), a whole-home generator with hookups in place, a comprehensive security camera system, and a whole-home water filtration and softener system—combining modern technology with sustainable living. Step inside to discover fresh paint, new fixtures, and luxury plank flooring throughout the main level. Just off the entry, an office with French doors offers a quiet workspace or optional fifth bedroom. The open-concept living area connects seamlessly to a bright, updated kitchen with granite countertops, stainless appliances, and ample cabinet space. Upstairs, the spacious primary suite features a large walk-in closet, double vanity, and soaking garden tub—your own private retreat. Three additional bedrooms provide flexibility for family, guests, or hobbies. Behind the scenes, the home includes a 2022 HVAC system and new water heater for year-round comfort. Outside, enjoy a brand-new roof, fresh exterior paint, durable three-side stone construction, and a brand-new fence enclosing the private backyard. An automatic sprinkler system keeps the lawn lush, while two fruit-producing cherry plum trees and a dog-run area enhance outdoor living with a natural greenbelt view. Located just blocks from the community pool and near scenic trails perfect for walks, bike rides, or runs, this home offers an active neighborhood lifestyle with small-town charm. A freshly painted garage with automatic opener and a refrigerator that conveys complete the package. Ideally positioned near top-rated Hutto schools, parks, and shopping, with easy access to SH-130 and 45 Toll for a quick commute to Austin or Round Rock.
Source: ACTRIS #1798492
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.