18313 Anicio Gallo Dr Pflugerville, TX 78660
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About this home
Step inside and you’ll immediately notice the inviting flow of this thoughtfully designed home. The open-concept layout connects the living room, dining area, and kitchen, creating a bright, welcoming space that’s ideal for both everyday living and entertaining. The kitchen features a large center island with granite countertops, crisp white cabinetry accented by brass hardware, a coordinating subway tile backsplash, and a separate pantry for added storage. The primary suite offers a private retreat with a spacious en-suite bathroom featuring dual sinks, dark cabinetry with brass hardware, a walk-in shower with a built-in bench, and a generous walk-in closet. Two additional bedrooms provide comfort and flexibility for guests, an office, or hobbies. Throughout the main living areas, durable vinyl plank flooring adds a modern touch, while plush carpet keeps the bedrooms cozy. All windows are dressed with 2" white blinds for a clean, finished look. Additional highlights include a 2021 roof, a five-year-old HVAC system, blown-in attic insulation for energy efficiency, and a fully automatic sprinkler system. Step outside to a large backyard with a covered patio — perfect for relaxing evenings or weekend gatherings. The front yard features native landscaping for easy upkeep and natural curb appeal. Washer and dryer convey, making this home truly move-in ready. Located in a welcoming community with walking trails, parks, and nearby shopping and dining, this home blends comfort, style, and convenience in one beautiful package. Seller is offering $10,000 in buyer concessions! Ask about the opportunity to assume the existing VA loan at a 2.25% interest rate (eligibility and restrictions apply—contact us for details!)
Source: ACTRIS #6783017
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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.