215 S Mulberry Ave Luling, TX 78648
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About this home
Discover the perfect blend of comfort, space, and small-town charm just 45 minutes from Austin! This beautifully updated home sits on nearly half an acre in a peaceful, tight-knit community — offering the space you want without the upkeep of full acreage. With over 3,000 square feet, this home is made for spreading out, entertaining, and living your best life both inside and out. Step inside and you’re greeted by a sun-filled foyer that flows into a spacious living room with rich hardwood floors, a cozy fireplace, and open to the dining room and backyard. The kitchen is designed for gathering, featuring tons of cabinet, pantry storage and counter space. With 4 beds and 3.5 baths, there's room for everyone — plus a versatile bonus room perfect as a music studio, playroom, or second living space, complete with its own built-in coffee or cocktail bar. Extensive list of recent upgrades: new wiring and electrical panels, all plumbing including sewer lines replaced, newer dual HVAC units, commercial-grade water heaters, water softener, reverse osmosis system, gutters, and more. It’s all been done for you! For the hobbyist or tinkerer, a spacious workshop connects the oversized 2-car garage to the home, with an additional 2-car carport for extra parking or equipment. Outside, you’ll love the blend of sustainability and comfort: city water + a well + rain barrels, plus space for gardening, chickens, or even geese — yes, it’s been done here before! Unwind in the Cowboy pool under the stars, or host an epic movie night on the retractable outdoor projection screen. Whether you're dreaming of a peaceful retreat, a mini homestead, or a space to simply enjoy life — this home has it all. Come experience it in person — it’s even better than you imagined. *Home warranty will be provided by sellers*
Source: ACTRIS #5847935
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Close stress-free in 45 days, handled start to finish by Roam.
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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.