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Financing available

$549,000

108 Emma Court, Decatur, TX 76234

4
beds
2.5
baths
2,280
sqft

Est. with seller financing: $5,261/mo

  • Single-family
  • Built in 2026
  • 43,560 sq ft lot
  • $241/sqft
  • Wise County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

BUILDER OFFERING 5K SELLER CONCESSIONS, TITLE PAID WHEN PREFERRED LENDER USED! Thoughtfully designed single-story home offering approximately 2,280 square feet of living space, featuring a well-planned layout that combines comfort, style, and efficient use of space. The open-concept kitchen, dining, and great room serve as the heart of the home, enhanced by a fireplace and easy access to the covered patio—ideal for everyday living and entertaining. The kitchen includes a central island, walk-in pantry, and convenient flow to the utility and mudroom areas. A separate study provides a quiet space suitable for a home office, reading room, or creative use. The private owner’s suite is situated apart from the secondary bedrooms and features a spacious bedroom, walk-in closet, and ensuite bath with dual vanities, soaking tub, and separate shower. Secondary bedrooms are positioned on the opposite side of the home, offering separation from the primary living areas.

Facts & features

Interior

Features

  • Open Floorplan

Flooring

  • Carpet
  • Engineered Hardwood
  • Tile

Appliances

  • Dishwasher
  • Electric Oven
  • Gas Cooktop
  • Disposal
  • Microwave
  • Vented Exhaust Fan

Fireplace

  • Fireplaces: 1
  • Wood Burning

Laundry

  • Washer Hookup
  • Dryer Hookup

Exterior & lot

Construction

  • Style: Traditional, Detached
  • Stories: 1
  • Roof: Composition
  • Materials: Brick

Parking

  • Garage spaces: 2
  • Garage

Lot

  • Acreage
  • Landscaped

Community

Neighborhood

  • Subdivision: Naomi Meadows

Schools

  • District: Decatur ISD
  • Elementary: Carson
  • Middle: Mccarroll
  • High: Decatur

Financial & listing details

Listing

  • Price per sq ft: $241
  • County: Wise
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$5,261/mo

Principal & interest
$3,976/mo
Property taxes (est.)
$1,029/mo
Homeowners insurance (est.)
$256/mo
Loan amount
$494,100
Seller financing rate (est.)
9.00%
Term
30-year fixed
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This estimate uses our seller financing program's rate. Taxes are estimated at 2.25% of the price because this listing has no full-year tax amount (common for new construction); actual taxes may differ and insurance is estimated. Your actual payment may be higher. Estimate only. Your final rate, payment, and terms are based on approval. This is not a commitment to lend.

Location

Love this home?Let's find a way to make it yours.

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A traditional mortgage isn't the only way to buy a home.

If you're self-employed, have a lower credit score, use an ITIN, or have been turned down for a mortgage, you may have another option.

Our financing program has different qualification guidelines for eligible buyers. Check your options before you rule out this home.

Available to qualified buyers from HFP, powered by Doorly, only on this site. The seller and listing agent are not affiliated with HFP and cannot offer this program directly. All financing is subject to underwriting, eligibility, program guidelines, and approval.

Check Your Financing Options

How our financing program works

  1. 1

    Get qualified

    Answer a few quick questions and see the down payment you'd need. It takes about a minute and doesn't pull your credit.

  2. 2

    Make it your home

    Once you're approved, our lending partner buys the home from the seller at closing. The seller is paid in full and never carries a loan.

  3. 3

    Own it

    It resells the home to you at the same closing, with financing, so the title is in your name.

This is different from traditional seller financing, where the seller lends you the money. See the full requirements

Listing courtesy of Sasha Martin, Agape and Associates LLC · MLS #21200707 · 9403933667

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. MLS status: Active (available for sale). Information is deemed reliable but not guaranteed and should be independently verified. NTREIS data is for viewing on this site only and may not be reproduced or redistributed. Last updated Oct 9, 2026.

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