4601 Evergreen St Victoria, TX 77904
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About this home
This charming 4-bedroom, 2.5-bathroom home featuring a spacious layout with modern updates is move in ready. Step inside to discover the open concept living area that seamlessly connects to the dining space and kitchen, perfect for entertaining or relaxing with family. The kitchen boasts granite-look laminate countertops, stainless steel appliances, and ample cabinetry for all your culinary needs. Retreat to the extra-large primary bedroom, complete with two spacious closets as well as an abundance of natural light. Vinyl plank flooring throughout the main living areas, plush carpet in the bedrooms, and neutral paint tones that create a warm, welcoming ambiance. The one-car attached garage features a convenient laundry area, with additional parking space in front and in back off of Mockingbird complete with gate access for easy entry. The private and spacious back yard provides ample space for entertaining friends and family or storing your boat/RV/trailers in a location centrally located close to restaurants and shopping. Complete with a Generac system that will give you peace of mind knowing you will stay comfortable when electricity goes out. This home combines comfort and functionality and with beautiful finishes throughout, no detail was overlooked. Whether you are looking for a home with enough space for everyone or an investor looking for an investment opportunity, this home has it all. Schedule your private showing today before it's gone!
Source: CENTRALTEXAS #595063
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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.