5609 Mosaic Trl Killeen, TX 76542
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About this home
This immaculate home is located within a well-maintained, established community adjacent to Harker Heights, TX. The residence features three bedrooms and a study, two bathrooms, a two-car garage and nearly 2300 square feet. Upon entry, a formal dining room and living area are located to your left, across the hall you will see the study with french doors. The floor plan incorporates a wrap-around concept with a split layout. Down the hallway, the primary bedroom is to your left. The main bathroom includes a separate shower, a garden tub. The kitchen is located on the right. It features freshly painted cabinets and an oversized pantry. The living room opposite has a wood-burning fireplace and secure mantel. Returning to the hallway, you will find two bedrooms on the left, with a bathroom directly behind the study with a linen closet, leading back towards the front of the home. The backyard features an extended patio area, fully fenced and a generously sized, cul-de-sac lot and is move-in-ready! The sellers have made the updates to include: new carpet and laminate throughout, new lighting in the kitchen and dining rooms, new kitchen and bathroom faucets, fresh paint on the cabinets and baseboards throughout, new slab addition on the driveway and new extended patio on the back, newer appliances and a new microwave. Grass installed in the front in October of 2024. The sellers have taken excellent care of this home and it shows! Call your favorite realtor for an appointment today or text me for a private viewing.
Source: CENTRALTEXAS #595120
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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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