16059 Charlya Dr Temple, TX 76502
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About this home
Country living with all the amenities! This stunning 3BR/3BA home is nestled within the gated Tanglewood community, bordering the beautiful shores of Belton Lake. Enjoy peaceful wooded scenery, abundant wildlife, and the convenience of a community pool, clubhouse, and playground all within the highly sought after Belton ISD. Step inside to an open concept floorplan featuring wood look tile flooring, high ceilings, crown molding and tons of natural light. The spacious living area is perfect for family gatherings or entertaining and located near an amazing flex room which offers endless possibilities—ideal for an office, media room, or even a 4th bedroom. The primary suite is a true retreat with a walk-in shower, garden tub, and dual vanity with granite countertops. Two additional bedrooms and full baths provide comfort and privacy for everyone. The modern kitchen showcases custom cabinetry, granite countertops, stainless steel appliances, a large island with breakfast bar, and a walk-in pantry. Situated on a double lot just under an acre, the property offers mature trees, an in ground sprinkler system, extended patio, and a paid off solar pergola that helps power the home. Say goodbye to high electric bills! Relax by the community pool on warm days or head just moments away to Belton Lake for swimming, fishing, and outdoor fun. Experience the perfect blend of country tranquility and modern convenience in this exceptional home!
Source: CENTRALTEXAS #596605
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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.