2815 Bells Chapel Rd Waxahachie, TX 75165
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About this home
Tucked away behind towering trees and perched high on a hill, this Waxahachie retreat is one of those rare finds that feels both private and inviting at the same time. From the moment you pull into the drive, the charm hits you—the brick exterior, the sweeping front porch that begs for rocking chairs and lazy afternoons, and the feeling of being just far enough out to breathe while still being close to everything. Bonus: you can walk to Rockett Café, where the chicken fried steak is famous and live music fills the evenings. Step inside and you’ll find a home that balances warmth, character, and space for all. The living room greets you with wood floors, exposed beams, a brick wood-burning fireplace, and a tucked-away sitting nook that’s perfect for curling up with a book or putting on your favorite playlist.The kitchen has just the right touch of charm and function, with granite countertops, a gas cooktop, painted cabinetry, and a breakfast nook that soaks in natural light through windows. There’s even a dry bar, making entertaining easy. For bigger gatherings, the oversized dining room—with its built-ins and space for a table that fits the whole crew. The primary suite is a true retreat with dual sinks, a soaking tub, separate shower, and generous closet space. A second downstairs bedroom connects to its own bath, offering flexibility for guests, family, or even a home office. Upstairs, you’ll find additional bedrooms with a shared Jack-and-Jill bathroom, giving everyone their own space.The real showstopper? The outdoor living! Out back you’ll find a sparkling in-ground pool and a covered patio perfect for summer cookouts or relaxing at the end of the day.A workshop that can double as storage or a hobby space, plus an additional insulated shed with electricity—ready to be your home gym, craft studio, or the ultimate backyard hangout. This home checks all the boxes. It’s not just a house—it’s a hilltop hideaway designed for living, entertaining, and making memories.
Source: NTREIS #21047803
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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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