6743 Misty Creek Ln Temple, TX 76502
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About this home
PRICE DROP!!! Beautiful Home in Exclusive Gated Community Welcome to this stunning home built by Hodges Eagle Ridge Builders, located in the sought-after gated community of Misty Creek. This spacious residence features a formal dining room and an open-concept layout that seamlessly connects the living area, kitchen, and breakfast nook—perfect for entertaining or everyday living. The primary suite and two additional bedrooms with a Jack-and-Jill bathroom are conveniently located on the main level, along with a flex room that can serve as a fourth bedroom or private office. Upstairs, you’ll find a fifth bedroom, full bath, and a media room, ideal for movie nights or guests. Additional highlights include granite countertops, a breakfast bar, and a covered back patio featuring an outdoor kitchen and fireplace, plus an extended patio that provides even more space for relaxation and entertaining. The three-car tandem garage offers ample parking and storage. Residents of Misty Creek enjoy a picturesque subdivision with a beautiful water feature and stone walking path. This property also offers an assumable loan and veteran-friendly financing options, making it an outstanding opportunity for qualified buyers seeking flexibility and long-term value.
Source: CENTRALTEXAS #583179
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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.