Located in the established Pinon Creek community, this spacious two story home offers 4 bedrooms, 3 full bathrooms, 3,385 square feet, multiple living areas, and a flexible floor plan designed for today's lifestyle. A covered front porch welcomes you into a spacious formal dining room that can also serve as a sitting area, home office, or additional flex space. The open kitchen, breakfast area, and family room create the main gathering space and feature a wood burning fireplace. A first floor secondary bedroom and full bath provide an ideal space for guests or multigenerational living. The kitchen has been updated with quartz countertops, stainless steel appliances, painted cabinetry, a modern tile backsplash, updated fixtures, a center island, and a walk in pantry. Recent interior updates include refreshed paint, decorative accent walls, updated lighting, and modern fixtures throughout. Upstairs features an oversized game room, a spacious primary suite with a tray ceiling, dual vanities, a garden tub, separate shower, walk in closet, and two additional secondary bedrooms. The utility room is conveniently located upstairs near the primary bedroom. A new composition roof was installed in June 2026. The oversized backyard provides room for outdoor entertaining, pets, gardening, or future improvements. Additional features include a two car attached garage, mature trees, a programmable thermostat, and abundant storage. Community amenities include neighborhood parks, playgrounds, walking trails, and sidewalks. Convenient access to US Highway 281, Loop 1604, Stone Oak, Bulverde Road, and TPC Parkway provides an easy commute to Methodist Stone Oak Hospital, North Central Baptist Hospital, Village at Stone Oak, H-E-B, Costco, The Vineyard Shopping Center, Evans Road shopping and dining, San Antonio International Airport, and Camp Bullis. Outdoor recreation is nearby at Panther Springs Park and TPC San Antonio Golf Course. A 3D tour, floor plan, and virtual tour are available.
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.
