7623 Palladium Loop Killeen, TX 76542
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About this home
Carothers custom-built home on a premium oversized lot backing up to the scenic greenbelt of Purser Heritage Park - with your very own private gate for instant access to the trail to enjoy nature walks, jogging, or a peaceful bike ride. This custom-built 3,187 sq ft home is designed with comfort, functionality, and style in mind. The family room flows seamlessly into a formal dining area and a spectacular kitchen complete with granite countertops, a smooth-top cook-top, built-in microwave and oven, the ever so popular oversized corner pantry, and custom hickory cabinets. High-end appliances and neutral tones throughout make this space both beautiful and functional. The main level features four generously sized bedrooms in a smart split-floor plan design. This offers privacy and flexibility for families and guests. The custom primary suite is a true retreat with an extra-large walk-in his-and-hers closet and spa-inspired bathroom you’ll love coming home to. Head upstairs to discover the ultimate flex space — a large bonus room complete with a wet bar and wine/beverage fridge, perfect for game nights, movie marathons, or hosting guests. A full bath and a walk-in floored attic for convenient storage complete the upper level. Additional highlights include an epoxy-coated garage floor, full sprinkler system, and location in a community with new schools nearby. With direct trail access, stylish finishes, and room to grow - this home really has it all!
Source: CENTRALTEXAS #579459
Neighborhood
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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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