2209 Riley Dr Killeen, TX 76542
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About this home
Space, functionality, and location—this 4-bedroom, 2.5-bathroom home in The Highlands at Saegert checks all the boxes. Nestled in an established, tight-knit community, this home offers a rare combination of ample living space, a dedicated home office, and a versatile upstairs loft—features that aren’t easy to find in this price range. The primary suite is located on the main floor, providing a private retreat with dual vanity sinks, a soaking tub, and a separate shower. The open-concept living area seamlessly connects to the kitchen and dining space, making it easy to entertain or enjoy everyday moments. Need a work-from-home setup or a dedicated study? The office is tucked away for privacy, offering the perfect spot for productivity. Upstairs, three additional bedrooms are complemented by a spacious loft, ideal as a second living area, media room, or play space. Whether you’re looking for room to grow, a flexible floor plan, or easy access to major highways like I-14, US-190, and 195, this home delivers. Outside, the large backyard offers endless possibilities for outdoor relaxation, play, or entertaining. And with no HOA, you have the freedom to make it your own. Conveniently located near schools, shopping, and Fort Cavazos, this home is an incredible opportunity to own a spacious, well-located property for under $289,000—a rare find in today’s market.
Source: CENTRALTEXAS #568278
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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.