Homes like this rarely come to market - where meticulous care, thoughtful upgrades, and genuine pride of ownership are felt in every corner. From the stunning curb appeal to the light-filled interior, this exceptional single-story home invites you in and makes you want to stay. Located in the gated Stonegate Hill community, this beautifully maintained brick home is surrounded by professional landscaping and offers a spacious, well-designed floor plan with multiple living areas and three generously sized bedrooms. Just off the entry, a private home office provides the perfect work-from-home setup (or it could easily serve as a 4th bedroom). The elegant main living room features a soaring ceiling and cozy gas-log fireplace, creating a warm yet impressive gathering space. A formal dining room connects seamlessly to the living area and offers direct access to the chef's kitchen. The kitchen is both stylish and functional, showcasing abundant storage, stainless steel appliances, a gas range, a built-in workstation, and a sunny breakfast area overlooking the beautifully manicured backyard, complete with flagstone walkways, terracing, and special motion sensor lighting. Tucked away at the rear of the home, the primary suite is a true retreat with a vaulted ceiling, its own mini-split system for added energy efficiency, a spacious walk-in closet, and a spa-like en-suite bath featuring dual vanities, a garden tub, and a separate shower. A versatile second living area sits between the primary and secondary bedrooms - ideal for a game room, play space, media room, or home gym. Secondary bedrooms are comfortably sized and include custom blackout curtains for added comfort. Step outside to enjoy the sundeck with adjustable louvered shades, allowing you to control sunlight while relaxing with your morning coffee or evening unwind. Residents of Stonegate Hill enjoy access to resort-style amenities, including tennis courts, a large pool and spa, playgrounds, and a basketball court. The sellers have kept meticulous records of all repairs and upgrades - ask for the full list. A pre-listing inspection has been completed, with many items already addressed for peace of mind. Refrigerator, washer, and dryer convey. Recent Updates Include: 2025: New water heater, new gutters, exterior repainted, brand-new roof with solar-powered attic ventilators, and all new commodes. 2024: New LG stove and microwave, garbage disposal, security alarm system with cameras. 2023: New garage door springs and insulation, all fencing replaced, new LG refrigerator and dishwasher, expanded sprinkler system. 2022: Whole-house surge protector, mini-split added in primary bedroom, attic access door installed in garage, new water softener, three Google Fiber hotspots, HVAC air scrubber. 2021: Entire HVAC system replaced (including new compressor, heating unit, fan/blower, and ductwork repairs), PRV replaced, Equinox louvered roof system installed on sundeck, solar window screens added. 2019: Fireplace converted to gas logs, retractable door screens installed at deck and garage. 2018: Primary bath renovation (new countertops, faucet, and mirrors), Hunter Douglas Duette shades installed in living room and kitchen doors, attic radiant barrier and termite bait stations installed, kitchen renovation with new granite countertops, sink, lighting, and fan, garage hanging shelves installed. Ideally located with convenient access to Highways 151, 1604, and 410, and just minutes from restaurants, entertainment, the VA clinic, Lackland AFB/JBSA, and SeaWorld.This is more than a house; it's a home that has been truly loved and thoughtfully prepared for its next chapter.
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
