681 Harper Dr Fate, TX 75087
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About this home
Welcome to the most amenity packed neighborhood around- Woodcreek. A wonderful layout that allows for separation and flexibility! You will immediately notice the floorplan feels much larger than 2100+sqft due to the high ceilings throughout. Formal Dining is close enough to the kitchen yet far enough away that it could be used for additional seating, playroom, office, and more! Entertain effortlessly with the open concept kitchen and living room. There is ample room for everyone and everything with an impressive and expansive kitchen loaded with large walk-in pantry, stunning cabinetry, generous counter space, eat in kitchen, large island, and SS appliances. The living room is spacious and anchored by a gas log fireplace. The rich cabinetry featured in this home is truly beautiful. Featuring a split bedroom concept, you can escape away to your luxury primary suite with an oversized room, a wall of beautiful windows, and ensuite. Primary bath features dual vanities, jetted tub, separate shower, and WIC. Across the home you will find a wing with 3 bedrooms and large bathroom. Secondary bathroom features two sinks and separate toilet and shower room. Each bedroom features tall ceilings, walk in closets, and neutral tones. Woodcreek features 3 community pools, multiple ponds and parks, miles of walking and jogging trails that connect the entire neighborhood, two dog parks, and amazing proximity to everything that Fate has to offer. Woodcreek is a master planned neighborhood about 30 miles outside of Dallas, TX that attends Rockwall ISD Schools. Elementary school is on site approx 1 mile away. Walking distance to growing Downtown Fate for all your shopping and eating needs! A few short minutes to Starbucks, more shopping and dining, and Fresh by Brookeshire's.
Source: NTREIS #21109687
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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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