Spacious, bright, and exceptionally upgraded! This stunning two story home built in 2023 offers 2,616 sq ft of thoughtfully designed living space in the highly sought after Rhine Valley community; perfectly tailored for modern family living and ideally located just minutes from JBSA Randolph for an easy, stress free commute. Featuring 4 bedrooms, 2 full and 1 half baths, plus a private office with upgraded glass French doors and a striking custom built in library wall, this home effortlessly blends elevated style with everyday functionality. The open concept design is enhanced by soaring ceilings, elegant tray ceilings, and upgraded 8 foot doors on the main level, creating a bright, airy atmosphere perfect for both entertaining and comfortable family living. The chef inspired kitchen serves as the centerpiece of the home, showcasing granite countertops, abundant cabinetry with large storage on both sides of the oversized island, a built in pull out trash system, upgraded GE Profile dishwasher, gas cooking, farmhouse sink, soft close drawers, upgraded hardware, under cabinet lighting, and an APEC reverse osmosis system, offering both beauty and practicality. Thoughtful upgrades continue throughout the home, including designer accent walls in the dining area and along the staircase, a fully upgraded spindle staircase, statement chandelier, ceiling fans, and custom built in shelving in the living room, family room, pantry, and laundry areas. The private primary suite, conveniently located on the main floor, provides a peaceful retreat with extended bay windows, an oversized walk in shower, separate dual vanities, and a spacious walk in closet. Upstairs, you'll find three generously sized bedrooms, a full bathroom, and an incredible game room; perfect for movie nights, a play space, or hosting gatherings. The garage is equally impressive, featuring its own A/C unit, insulated garage door, water softener, and a 50 amp EV charging plug. Step outside and enjoy a beautifully sized backyard designed for relaxation and entertaining, complete with an extended covered patio, storage shed, garden box, and a large flat yard; ideal for kids, pets, and weekend gatherings. Additional features include a full Ring security system with door sensors and a solar powered outdoor camera for added peace of mind. Located in a welcoming, family friendly community with scenic walking trails, a large park, and playground, this home offers unmatched convenience for military families with an easy ~5 minute commute to JBSA Randolph, along with close proximity to highly rated SCUISD schools, shopping, dining, and entertainment. This is more than a home; it's the perfect place to settle in, create memories, and enjoy the lifestyle you've been looking for. Schedule your showing today!
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.
