***Open House Scheduled Saturday June 20th*** Experience elevated, low-maintenance living in this semi-custom Sitterle Homes residence located within the gated Enclave at Weston Oaks. Built by one of San Antonio's premier luxury builders, this meticulously maintained home combines thoughtful design, exceptional craftsmanship, and high-end finishes throughout. From the moment you enter, soaring ceilings, abundant natural light, and an open-concept layout create a welcoming atmosphere that feels both spacious and refined. At the heart of the home, the chef-inspired kitchen showcases premium designer quartz countertops, stainless steel appliances, reverse osmosis water filtration, abundant cabinetry, and an oversized island that effortlessly serves as both a gathering space and functional workspace. The spacious living area flows seamlessly to the extended covered patio, complete with a natural gas hookup for outdoor cooking and entertaining. The Enclave's unique zero-side lot design enhances privacy by positioning homes so neighboring windows do not directly overlook one another, creating a more peaceful and enjoyable living experience. The primary suite serves as a true owner's retreat, offering generous proportions and a spa-inspired bathroom designed to impress. Rich designer tile work creates a custom feel throughout the space, highlighted by an oversized walk-in shower featuring stone tile accents that elevate the room's luxury aesthetic. Dual vanities, premium finishes, and an exceptionally large walk-in closet complete a space that feels more like a boutique hotel suite than a traditional primary bath. Every upgrade was selected with both comfort and convenience in mind. From the smart blinds in the living room and premium memory foam carpet padding to the EV charging station, whole-home water softener, WiFi-enabled irrigation system, and reverse osmosis filtration, the home seamlessly blends luxury with modern functionality. Professionally designed landscaping and extensive hardscape improvements further enhance the property's curb appeal and outdoor enjoyment. Adding to the appeal, lawn maintenance is included through the HOA, creating a true lock-and-leave lifestyle. Residents enjoy access to community amenities including a resort-style pool, playgrounds, walking trails, and clubhouse. Conveniently located near shopping, dining, entertainment, and major highways, this home also benefits from the advantage of NO City of San Antonio taxes. Combining luxury finishes, thoughtful upgrades, exceptional privacy, and the renowned quality of Sitterle Homes, this exceptional residence offers a rare opportunity to own one of the most refined homes within the Enclave at Weston Oaks.
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.
