812 Winter Creek Dr Mckinney, TX 75071
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About this home
$15k Lender Credit With Preferred Lender!! Discover your dream home in the highly sought-after Trinity Falls community! This stunning custom built Chesmar home boasts 4 spacious bedrooms, 3 full baths, and a versatile study that can easily serve as a 5th bedroom or playroom. The heart of the home is the impressive kitchen, featuring stainless steel appliances, a double oven, a convenient pot filler, a gas cooktop, a butler's pantry, and an oversized island—ideal for entertaining family and friends! The breakfast area features a custom dry bar with two built-in wine coolers adjacent to the kitchen. Unwind in the luxurious primary suite, complete with an ensuite bath featuring double vanities, a separate shower, and a soothing garden tub. Two additional bedrooms and a full bath are conveniently located on the main floor. Venture upstairs to discover a massive in-law suite or second primary bedroom, complete with its own ensuite bath for added privacy. Custom built cabinets in laundry room and mudroom with passthrough door to primary for easy access! Step outside to enjoy al fresco dining on your expansive patio or gather around the cozy outdoor fireplace for those chilly evenings. The Trinity Falls community offers an array of resort-style amenities, including two sparkling pools, pickleball courts, splash pads, 5 playgrounds, a dog park, a state-of-the-art fitness center, catch-and-release ponds, scenic jogging paths, and the new Frazier Elementary School along with three early learning centers. With exciting events happening almost every weekend, Trinity Falls is not just a place to live—it's a vibrant lifestyle waiting for you! Walking distance to the Lodge and Frazier Elementary! 5 Minutes to HWY 75 and just a short drive to DFW airport! Don't miss this opportunity to make this home your own!
Source: NTREIS #21045440
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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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