1309 Roma St Harker Heights, TX 76548
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About this home
Welcome to 1309 Roma St, a stunning 3,063 sq ft home built in 2021, where modern design meets everyday comfort. This meticulously crafted residence offers 4 spacious bedrooms, 3.5 bathrooms, and an impressive layout perfect for both living and entertaining. Step inside to an open-concept floor plan filled with natural light, high ceilings, and elegant finishes throughout. The heart of the home features a gourmet kitchen with premium appliances and ample counter space, seamlessly connected to a generous living area. Enjoy the ultimate movie night in your private theater room, thoughtfully designed for relaxation and entertainment. The primary suite is a luxurious retreat with a spa-like en-suite bathroom and walk-in closet, while the additional bedrooms offer flexibility for family, guests, or a home office. A 3-car garage provides plenty of room for vehicles, storage, and hobbies. Set in a desirable neighborhood, this home, built in 2021 combines quality craftsmanship, modern convenience, and timeless style — a true turnkey gem. Surround sound in the theater room will convey.
Source: CENTRALTEXAS #586620
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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.