744 Patriot Ln Irving, TX 75060
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About this home
Bathed in northwest sunset glow, 744 Patriot Lane elevates Irving, Texas real estate with 2,245 sq ft of romance, practicality, and energy-smart design. Completed in 2020 by K Hovnanian, this two-story retreat welcomes you with soaring ceilings, lighting that flatters every angle, and oversized vinyl windows framing Heritage Creek’s leafy greenbelt. The open living-dining hub is anchored by a gas fireplace that promises winters spent fireside and relaxed Sunday mornings. Steps away, the chef’s kitchen gleams with quartz counters, crisp white cabinetry, a sleek cooktop, walk-in pantry, and an island ready for espresso mornings or cocktail-hour chatter. Privately placed on the main level, the owner’s suite indulges with dual vanities, a glass shower, and an oversized soaking tub where lavender bubbles erase the day. Upstairs, a glass-paneled formal office inspires focused work, while an oversized game-media room hosts movie marathons and board-game nights. Two secondary bedrooms share a Jack-and-Jill bath, and a second-floor laundry ends stair-laden chore runs. A radiant-barrier roof, advanced insulation, efficient HVAC, and double-pane windows keep energy costs low, while generous closets and attic access tame clutter. Outside, no front neighbors interrupt the view—just meadow and trail for sunrise jogs and twilight strolls. Five minutes to Highway 183 and the Bush Turnpike, ten to Las Colinas dining and Toyota Music Factory concerts, and about twenty to Dallas Love Field, DFW International, and downtown Dallas, the address balances serenity with unmatched reach to airports, employers, shopping, and Irving ISD schools.
Source: NTREIS #21012414
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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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