214 Whispering Oaks St Whitewright, TX 75491
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About this home
Small Acreage, Big Possibilities 3.897 estimated Acres in Grayson County With nearly 4 acres, you’ll have space for gardens, outdoor sports, or simply soaking in the natural beauty of your own slice of the countryside—without the upkeep of a large farm. Nestled on scenic acres in sought-after Grayson County, this spacious home is ideal for those who value privacy and the freedom to enjoy their hobbies. A paved road leads to a winding driveway framed by mature shade trees, instantly creating a welcoming, country feel. Inside, the open-concept living room provides an expansive space for family gatherings, game nights, or holiday celebrations. A freestanding wood-burning fireplace adds both warmth and character. The home offers 4 comfortable bedrooms with generous closets, 2 full bathrooms, and a kitchen featuring abundant cabinetry, a glass-cooktop peninsula, and a breakfast bar for casual seating. Hobbyists will appreciate the oversized garage est 35' X 33' perfect for woodworking, restoring vehicles, storing recreational gear, or pursuing creative projects. Whether you’re a land lover, entertainer, or hands-on hobbyist, this property offers comfort, functionality, and the charm of rural living in one perfect package.
Source: NTREIS #21025712
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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.