1225 12th St Argyle, TX 76226
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About this home
Welcome home! This gorgeous residence is nestled in the highly sought-after Harvest community, offering the perfect combination of elegance, comfort, and functionality. Step inside to discover a spacious open-concept layout designed for modern living. A formal sitting area greets you upon entry, located just across from a cozy media room, the ideal setup for movie nights or quiet relaxation. The main living space exudes warmth and charm, with ample room to entertain guests or spend quality time with loved ones. The chef-inspired kitchen is a true showstopper, featuring built-in cabinetry, a massive kitchen island, farmhouse sink, and walk-in pantry, along with an inviting dining space perfect for family meals or casual gatherings. The primary suite offers a light and airy retreat, complete with a luxurious ensuite bathroom boasting dual vanities, a large walk-in shower, and a garden tub, the ultimate place to unwind. Downstairs, you’ll also find a private at-home office and a secondary bedroom with a full bath, ideal for guests or multi-generational living. Upstairs are three additional bedrooms and two full bathrooms, along with a spacious family room that provides the perfect setting for games, relaxation, or movie nights. Step outside to the expansive backyard, offering endless potential for outdoor living upgrades, whether it’s a pool, patio, or lush garden oasis, the possibilities are limitless.
Source: NTREIS #21077851
Neighborhood
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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.