1714 Holmwood Dr Celina, TX 75009
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About this home
ASSUMABLE 2.75% ARP FHA FIXED RATE FINANCING!! This stunning one-story Perry home offers luxurious living in a beautiful design. Featuring 4 spacious bedrooms, it provides ample space for family and guests. The impressive wide entry foyer with box ceilings creates a warm and welcoming entrance, setting the tone for the rest of the home. A dedicated home office with elegant French doors offers a perfect workspace or quiet retreat. The main living areas are adorned with durable, attractive plank tile ceramic floors, enhancing both style and practicality. The generous family room is designed for comfort and gatherings, highlighting a cozy corner fireplace that adds warmth and ambiance. The bright and airy kitchen is a chef’s dream, equipped with white cabinetry, a stylish herringbone backsplash, pendant lighting over the island, and stainless steel appliances, making meal prep and entertaining effortless. The primary suite serves as a luxurious retreat with an accent wall that adds character, while the primary bathroom features a freestanding tub, huge walk in shower, spacious dual vanities, and dual closets for ample storage. The secondary bedrooms are generously sized, with one featuring its own private ensuite, perfect for guests or family members seeking privacy. Outside, the covered patio provides an ideal space for outdoor entertaining and relaxing. Both sides of the home are accented with rock, adding unique curb appeal and low-maintenance landscaping. Located in the desirable Celina ISD, this home combines quality craftsmanship with a prime location, offering easy access to Preston Road and the Tollway for convenient travel throughout DFW. Beautifully maintained and thoughtfully designed, this home combines elegance, comfort, and practicality—an ideal place to call home.
Source: NTREIS #21029555
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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.