Tucked against a dramatic natural limestone bluff in the coveted Sonoma Ridge community, this exquisite single-story hill country retreat offers a rare combination of privacy, elegance, and effortless living. Soaring tray ceilings, graceful arched doorways, and an open-concept floor plan create a sense of grandeur from the moment you enter the foyer, where the expansive living room anchors the home with a cast-stone fireplace, built-in media cabinetry, and seamless sight lines through to the gourmet kitchen and dining areas. The chef's kitchen is a showpiece featuring custom glazed cabinetry with glass display uppers, granite countertops, a large center island with seating, designer pendant lighting, stainless appliances, and a walk-in pantry, while the adjacent breakfast nook and formal dining room make entertaining at any scale effortless. Retreat to the oversized primary suite, where vaulted ceilings and a sweeping bay window frame breathtaking views of the limestone bluff and lush backyard, and the spa-inspired primary bath features dual granite vanities, arched mirror niches, and a corner jetted soaking tub. Three additional generously sized bedrooms and two full baths complete the thoughtful single-story layout, alongside a dedicated laundry room and an oversized two-car garage. Step outside to your own private Hill Country sanctuary, a beautifully manicured lawn framed by mature oaks, iron fencing, and that stunning bluff backdrop that simply cannot be replicated, where a covered screened patio invites year-round outdoor living in total seclusion. Located minutes from La Cantera, The Rim, I-10, and Loop 1604, with access to top-rated NISD schools. Welcome home!
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.
