5100 Colina Dr Killeen, TX 76549
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About this home
Welcome to this beautiful four-bedroom, three-bathroom home in the highly desirable Estancia West Subdivision. This rare find offers the best of both worlds with a one-of-a-kind property that comes with no HOA, all within a well-cared-for neighborhood that is less than five minutes from Fort Hood and conveniently located near schools, shopping, and two separate gates for quick base access. From the moment you step inside, you will notice how well this home has been maintained and how thoughtfully the layout has been designed. The main level features a office or study with elegant French doors, creating a perfect space for working from home or enjoying a quiet retreat. Upstairs, a spacious second living area or game room provides the ideal place for family gatherings, movie nights, or a play area. The master suite offers comfort and space with its extra-large walk-in closet, and each of the additional bedrooms upstairs also includes oversized walk-in closets, giving everyone in the family plenty of storage. The home also features an extra-large utility and laundry room as well as a whole-house water softener system, adding everyday convenience. At the heart of the home, the kitchen stands out with its massive center island, beautiful cabinetry, and the luxury of double ovens, perfect for fall baking, holiday meals, and entertaining. A formal dining room just off the kitchen offers the ideal setting for special dinners and celebrations with family and friends. Step outside and enjoy the flat, fully fenced backyard, complete with a large covered patio that makes entertaining easy and provides a relaxing space for BBQs and evenings outdoors. This home truly has it all, combining comfort, style, and functionality in a prime location. Don’t miss the chance to make this exceptionally maintained home in Estancia West your own. Schedule your showing today before this rare opportunity is gone.
Source: CENTRALTEXAS #591357
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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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