2817 Franklin Dr Celina, TX 75009
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About this home
Charming Two-Story Home in Celina’s Top-Rated Neighborhood - The Columns Located in one of Celina's most desirable neighborhoods, this beautifully updated and meticulously maintained brick and stone home offers both style and function. The open-concept island kitchen is a chef’s dream, featuring granite countertops, a custom backsplash, stainless steel appliances, and a gas range. Whether you're cooking for family or entertaining guests, this kitchen is sure to impress. The versatile floor plan includes a multi-use study or office with French doors and a closet, perfect for work or relaxation, as well as a spacious formal dining room ideal for hosting gatherings. The family room features soaring ceilings and a cozy gas log fireplace, creating a welcoming atmosphere. Upstairs, the expansive primary bedroom retreat boasts a private sitting area and a luxurious en-suite bathroom with dual vanities, a separate shower, and a garden tub for ultimate relaxation. Three additional large bedrooms and a generous game room—large enough to accommodate a pool table—provide plenty of space for family fun and entertainment. Enjoy outdoor living in your private backyard with a covered patio and a second covered patio off the kitchen, perfect for barbecues and enjoying the outdoors. The rear-entry garage offers added privacy and convenience. Community Amenities: Residents of The Columns in Celina enjoy access to a community swimming pool, playgrounds, paved walking paths, a private neighborhood lake, and green spaces, making it the perfect place to call home. Please refer to showing instructions.
Source: NTREIS #21081325
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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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