18400 Sun Haven Cv Elgin, TX 78621
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About this home
Back on market due to buyer's financing. Current mortgage is assumable at a 4.375% fixed rate with a payment of $1,712.39. Welcome to 18400 Sun Haven Cv, Elgin TX 78621—a spacious 2-story retreat offering approx. 2,343 sq ft of thoughtfully updated living space on a desirable corner lot. Inside, you’ll find 4 generous bedrooms and 3 full baths, all free of carpet for easy care and a modern feel. The 2005 build has been refreshed with contemporary finishes, stylish lighting, and durable hard-surface flooring that flows seamlessly from the open living area into the dining room and kitchen. The chef’s kitchen features abundant cabinetry, sleek counters, and a breakfast bar that invites gatherings. Upstairs, the oversized primary suite boasts a walk-in closet and an updated bath with dual vanities. Three additional bedrooms provide flexibility for guests, a home office, or hobby space, while the third full bath ensures convenience for everyone. Outside, enjoy extra privacy thanks to the corner setting and a sizable backyard that’s ready for gardening, play, or future outdoor living projects. With a list price of $289,900, this move-in-ready home delivers exceptional value, hard-to-find square footage, and recent upgrades—all without the upkeep of carpet. Opportunities like this don’t last long in fast-growing Elgin. Schedule your private showing today and see why 18400 Sun Haven Cove should be your next address! (Square footage per tax record; buyer to verify all information.)
Source: ACTRIS #1692171
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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.