123 Hard Bargain Dr Gatesville, TX 76528
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About this home
Set wide and open on 9 scenic acres, this property offers space to breathe, room to grow, and the comfort of a truly beautiful home. Fenced and cross-fenced, it’s ideal for those who crave both function and freedom, whether for livestock, gardening, or simply spreading out under the Texas sky. A 40x30 carport and a 20x20 barn stand ready for your tools, toys, or weekend projects. From the moment you arrive, the colorful landscaping that frames the welcoming front porch sets the tone—this is a home with heart. Inside, the charm continues with stained concrete floors that run throughout, combining rustic warmth with everyday practicality. The great room is nothing short of stunning, featuring a raised wood ceiling with recessed lighting, a fireplace, and wide-open space that flows seamlessly into the island kitchen. With granite counters and a mosaic tile backsplash, the kitchen is both striking and functional—a place made for everything from weeknight meals to holiday feasts. Just off the kitchen, the dining room offers plenty of space for gathering. The owner's suite is a true retreat, with a tray ceiling trimmed in crown molding and a spa-inspired bath complete with a corner soaking tub, separate shower, and granite-topped double vanity. The home’s thoughtful layout includes a spacious utility room with cabinets and countertop space, and a huge second living room perfect for movie nights, game days, or simply spreading out. Step outside to the covered back patio, where a wood ceiling and ceiling fan invite you to sit and stay a while. Whether you’re watching the sunrise over the pasture or winding down under a sky full of stars, this space turns every moment into something special. This property is more than just a house on land—it’s a place to plant roots, create memories, and enjoy the kind of peace that only wide-open space can offer.
Source: CENTRALTEXAS #585209
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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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