1304 Cozy Creek Dr Temple, TX 76502
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About this home
Welcome to this beautifully upgraded two-story home featuring 4 bedrooms, 2.5 baths, and a dedicated office, perfectly combining comfort, functionality, and style. As you enter, you’re greeted by an elegant office with French doors and glass accents, ideal for working from home. Just beyond, a hallway leads to a a convenient coat closet and a spacious half bath with a custom vanity. Before stepping into the open-concept living area, you’ll find a thoughtfully designed laundry room with garage access, a custom vanity and single basin sink, and overhead cabinetry for extra storage. The heart of the home is the open kitchen, dining, and living space, perfect for both entertaining and everyday living. The kitchen features granite countertops, an oversized center island perfect for eating and socializing, coffee bar area, generous walk-in pantry, and all-electric appliances, including a refrigerator that will convey. Enjoy tile flooring throughout the main areas of the home and plantation shutters with a lifetime warranty, helping to keep the home energy-efficient and comfortable year-round. The primary suite, conveniently located on the main floor, offers a dual vanity bath, stand-up shower, and a massive walk-in closet that wraps under the stairs for added storage. Upstairs, you’ll find a large open loft with recessed lighting, three generously sized bedrooms—each with walk-in closets, and a full bath featuring a dual vanity and tub/shower combo. Step outside to your extended covered patio with retractable sunshades, perfect for relaxing or entertaining. The meticulously maintained lawn adds to the home’s inviting curb appeal. The exterior showcases three-sided stone with lap siding, offering both durability and charm. Located just a short walk to the community pool, park, and soccer pitch, and only minutes from Belton ISD schools, Crossroads Park, and shopping and dining along West Adams, this home delivers convenience, quality, and a prime location.
Source: CENTRALTEXAS #595861
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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.