681 Old Lytton Springs Rd Lockhart, TX 78644
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About this home
Experience relaxed country living just minutes from Austin in this beautiful 4-bedroom, 2-bath home on 1.16 acres in Lockhart. Offering 2,464 sq ft, this open-concept floor plan features a spacious living area with fireplace and wet bar that connects effortlessly to the kitchen, dining, and entry spaces—perfect for family gatherings or entertaining. The kitchen includes a free-standing propane range and oven, water softener, and Starlink Internet service that conveys. The primary suite includes a whirlpool tub, separate shower, and ample closet space. A versatile bonus room offers flexibility for an office, hobby space, or media room. Outdoors, enjoy your private retreat with a sparkling swimming pool, covered deck area with TV and sitting space, detached garage, carport, circular driveway, and two storage buildings. The “bunkhouse” with a small deck provides extra space for guests or hobbies. Gather around the fire pit in the outdoor sitting area or park your RV on-site with electric and water hookups. The property also features an EV charging station and propane tank. Located in the BBQ Capital of Texas, this home blends peaceful country living with quick access to city conveniences. Easy entry onto State Highway 130—known as the “Texas Autobahn” with speeds up to 85 mph—makes commuting to Austin, Tesla’s Gigafactory, the Austin-Bergstrom International Airport, and Circuit of the Americas (COTA) a breeze. Enjoy small-town charm, excellent dining, and proximity to San Marcos, Luling, and Bastrop. A perfect blend of space, comfort, and convenience for today’s Texas lifestyle.
Source: ACTRIS #2003182
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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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