276 Jackson Cir Kerens, TX 75144
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About this home
Discover the peacefulness, serenity and beauty of Sweetwater Ranch on Richland Chambers Lake with this gorgeous and spacious property situated on 2.18 acres and a beautiful 3778 square foot home providing space and comfort galore. This lovely home has a spacious primary bedroom and ensuite with huge master closet and an amazing guest or children suite featuring 2 bedrooms, bathroom and sitting area. Home has an inviting kitchen open to family room with fireplace and breakfast nook. Kitchen has pretty quartz counter tops, island, ample cabinets for storage, breakfast bar. You will find a roomy and pretty formal dining room with tall windows providing beautiful views of the lake and welcoming front porch. Opposite of the formal dining past the grand entrance you will go through French doors into a stately, well set up office with the same large windows and lake views. Upstairs find an enormous, fun and versatile bonus room with half bath and very nice pool table included. Outside in the nicely landscaped 2+acres you will enjoy Koi pond water feature, fire pit, sprinkler system, pretty trees, room for a garden, room for boat storage, 10X16 storage room. 2 car detached garage is connected to house with a covered walkway and inside has work spaces and cabinets. Within Sweetwater Ranch you will find a community boat ramp, great spaces for walks, bike riding and the feel of lake life and country living.
Source: NTREIS #20967717
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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.
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