5414 Miller Heights Dr Rowlett, TX 75088
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About this home
This rare 4-bedroom, 3.5-bathroom estate in Rowlett offers the perfect blend of luxury, privacy, and modern convenience—just steps from Lake Ray Hubbard. Set on nearly three wooded acres directly across from a greenbelt with a forest-like feel, this fully renovated home brings country serenity to the heart of Dallas County. Inside, you'll find an open-concept layout with fresh paint throughout, real wood floors, and custom designer tilework. The kitchen features new appliances, sleek quartz countertops, and seamless flow into the main living and dining areas. The first-floor primary suite is a private retreat with marble bathroom floors, dual room-sized walk-in closets, and a built-in office nook. Even the laundry room stuns with exotic granite counters and bonus space for crafts or storage. Every major system has been thoughtfully upgraded, including a new impact-resistant roof, smart security with Vivint, smart locks on all exterior doors, and multiple cameras for peace of mind. The home also includes a whole-house water filtration and softener system, energy-efficient and impact-resistant windows, and three newly replaced HVAC systems with Nest thermostats. Outdoor living is just as impressive with a massive covered patio, second-story balcony, full outdoor kitchen and bar, paver patio for a fire pit, outdoor shower, and a sparkling pool with an IntelliChem system that automatically monitors and balances water levels. Additional highlights include a newly built barn, pasture fencing, greenhouse, and an oversized two-car garage ready for projects or storage. Located in a peaceful pocket of Rowlett with quick access to the lake and local conveniences, this property offers a lifestyle that’s truly one of a kind. If you’re searching for a luxury retreat with land and lake proximity, this is the one you’ve been waiting for.
Source: NTREIS #21039810
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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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