4402 Guildford Dr Belton, TX 76513
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About this home
**Beautifully Upgraded Home in the Highly Sought-After Three Creeks Community** ***Seller is offering $10,000 towards your closing costs or interest rate buy down.*** **This home is also eligible for a VA Loan Assumption — a rare and valuable opportunity for qualified buyers!** Step into this stunning home in the desirable Three Creeks neighborhood, where style, comfort, and convenience come together. Designed with an open floor plan and filled with natural light, this home offers the perfect setting for both relaxation and entertaining. Inside, you’ll find a spacious master suite with a luxurious en-suite bathroom and private sitting area—your own personal retreat. The chef’s kitchen boasts an oversized island, a huge walk-in pantry, Bosch dishwasher, and updated hardware for a modern touch. Enjoy outdoor living year-round with a large covered patio, enhanced by a pergola, new fans, and flooring cover—perfect for summer evenings or weekend gatherings. Beautiful landscaping surrounds the home, supported by a front and backyard sprinkler system with a new Beehive smart controller. Additional upgrades include: • 6” LeafFilter gutters all around • Over-the-garage storage racks for maximum space efficiency • Pergola-covered patio with fans and flooring cover With a three-car garage, you’ll have plenty of room for vehicles, hobbies, and storage. Community Highlights: • Scenic walking paths and hiking trails • Two community pavilions for gatherings • Beach volleyball court for fun and recreation • Close proximity to Stillhouse Hollow Lake, the Lampasas River, and all major shopping and dining amenities This rare find in Three Creeks combines modern upgrades with community charm. Homes here are in high demand—schedule your showing today before it’s gone!
Source: CENTRALTEXAS #587047
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Close stress-free in 45 days, handled start to finish by Roam.
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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.