613 Hcr 1305 Hillsboro, TX 76645
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About this home
$500 Buyer’s Concession with an Acceptable Full-Price Contract by 10-31-25! Country Charm on 2+ Acres – Updated & Move-In Ready! The MOTIVATED sellers are ready to embark on their next adventure—this is your chance to claim a fantastic deal on this charming farmhouse! Nestled on just over 2 acres of scenic Texas farmland, this delightful property offers a perfect blend of country living and modern comforts. Featuring 2 bedrooms, 2 baths, and an office with a closet that could easily serve as a third bedroom, this home offers versatility for a variety of lifestyles. The spacious front porch invites you to relax and enjoy the quiet country evenings while stargazing under the Texas sky. Inside, you'll find striking wood beams, modernized flooring, fresh paint, and renovated bathrooms that bring a perfect mix of rustic charm and contemporary convenience. The fully fenced property is shaded by mature trees, providing plenty of space for pets, children, or simply enjoying the peaceful surroundings. A large workshop with electricity offers endless possibilities—whether you're into DIY projects, need extra storage space, or have a hobby to pursue. This is truly a Texas farmhouse gem, offering move-in-ready comfort and plenty of room to grow. Whether you're seeking a peaceful weekend retreat or a full-time home, this property offers the perfect setting. Don’t miss the chance to make this charming home your own—schedule your showing today and discover the endless possibilities waiting for you!
Source: NTREIS #20738158
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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.