3005 Avery Ln Mckinney, TX 75070
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About this home
MOVE IN READY & WON'T LAST LONG! Discover your ideal haven in this charming 4-bedroom, 2-bathroom home, nestled within a tranquil cul-de-sac in the heart of central McKinney. High ceilings create an airy, open ambiance, welcoming you into a space designed for both relaxation and entertaining. The well-appointed kitchen boasts an upgraded dishwasher, ample cabinetry, and a spacious tiled bar with extra storage, making meal prep a breeze. The adjacent breakfast nook, illuminated by a stylish chandelier and bathed in natural light from the large window, seamlessly flows into the inviting living room. Gather around the gas fireplace, featuring custom tiling and mantle, creating a focal point for cozy evenings. The generous master suite offers a peaceful retreat with vaulted ceilings, elegant vinyl plank floors, abundant windows, and a private ensuite bathroom. Enjoy the double vanity and a stand-up shower with an upgraded shower head, perfect for unwinding. New roof June 2025! Living on a cul-de-sac offers the benefits of reduced traffic, enhanced safety, and a quieter environment, ideal for families and those seeking a serene setting. This home provides the perfect blend of modern amenities and a sought-after location. Seller offering assitance with closing costs!
Source: NTREIS #21031431
Neighborhood
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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.