814 Hillsdale Dr Richardson, TX 75081
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About this home
Seller offering a 1 point buydown for the buyer on this Stunning, Permitted remodel with far too much to name them all from the new windows, hot water heater, French drain by pool, wood fence, plumbing, wiring, roof, cabinets, vanities, and stainless steel appliances to the beautiful flooring. Walk up to European cladding accentuating the trendy, moody, dark gray brick exterior with black framed windows. Inside you are immediately transported to resort style living with the massive living room windows overlooking the sparkling, blue pool. Huge formal living or second living area leads to the Home Chef's dream of white oak, slim shaker cabinets and marble countertops over the huge island. The open floorplan makes for easy entertaining for those pool fabulous parties which will make you the envy of all your friends. Beautiful, waterproof, SPF flooring throughout ensures easy maintenance and excellent durability. 3 Designer, full bathrooms with separate, freestanding tub, rainfall shower head and double vanity sinks in the luxurious Primary suite. And, It just gets better with the walk-in, custom closet that will have your buyers sold on the Primary Suite alone. Yet there's a second Primary or the perfect In-Law suite, multigenerational living will be a snap, leaving just enough privacy to be ideal. 4 bedrooms ensures enough space for that home office or home gym. All of the mechanicals have been updated for carefree home ownership for years to come. Verify all square footage, room sizes and schools.
Source: NTREIS #21031918
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.