613 Circle Dr Killeen, TX 76542
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About this home
Set on a generous almost 3/4 acre lot, this home strikes the perfect balance between privacy and convenience. Off the beaten path yet close enough to reach everything you need, it offers a lifestyle where comfort meets practicality. Only a short walk to the Lampasas River makes recreation easy - make fishing your new relaxation activity! Step inside and you’ll notice right away—there’s no carpet in sight, making the home fresh, modern, and easy to maintain. The great room is anchored by a fireplace, setting the stage for evenings spent unwinding or gathering with friends. The kitchen is designed with both function and style in mind, featuring a breakfast bar for casual dining and glass-front cabinets that add a touch of character while showing off your favorite pieces. The spacious owner’s suite is a true retreat, complete with a tray ceiling that adds dimension and elegance. In the bath, relax in the soaking tub or enjoy the convenience of the separate shower and double sink vanity. Outdoors, the property truly shines. A wide-open patio is the perfect spot to host summer cookouts, while the sparkling pool invites endless days of fun and relaxation. The detached garage and wide driveway provide plenty of parking and workspace, complemented by a storage building with an overhead door to house tools, hobbies, or projects of any size. This home is more than a place to live—it’s a space designed to enjoy, with the freedom and flexibility that comes with a large lot and thoughtful features inside and out.
Source: CENTRALTEXAS #592750
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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.