Welcome to 203 Harralton Circle - a stunning Spanish-style residence that immediately captivates with its timeless tile roof, warm architectural details, and truly exceptional curb appeal. Situated on a spacious corner lot in Devine, Texas, this 4-bedroom, 2-bath home offers the perfect blend of character, comfort, and outdoor living.From the moment you arrive, the front yard makes a lasting impression. Thoughtfully designed landscaping, newly planted oak trees, and a full irrigation system create a lush, manicured setting that's both beautiful and easy to maintain. The inviting walkway, accented with stone borders and soft lighting, leads you to a charming covered front entry that sets the tone for what's inside. Adding to the appeal is the privately wooded neighboring lot to the right, offering a natural buffer that enhances privacy and gives the home a more secluded feel. This property also stands out with its functionality and access. A long driveway leads to the oversized garage, providing ample parking and convenience, while a secondary entrance to the backyard offers added flexibility - ideal for extra vehicles, trailers, or easy backyard access. Inside, the open concept layout is designed for both everyday living and entertaining, offering a comfortable flow throughout. The oversized garage adds valuable space for storage, hobbies, or larger vehicles - a rare and practical feature. Out back, the home truly shines. A fully fenced yard provides privacy, while the extended covered patio creates the ultimate entertaining space. Whether you are hosting gatherings or enjoying quiet evenings, this outdoor area is ready to impress with its mounted TV, ambient hanging lights, and seamless access from the home - including private access from the primary suite. The primary bedroom serves as a relaxing retreat, complete with direct patio access and a spacious walk-in shower designed for comfort and convenience. Located within the well-established community of Heritage Park known for its spacious lots and neighborly feel, this property offers a sense of privacy and simplicity that's hard to find - with one way in and one way out, no HOA, and a setting where neighbors truly know each other. Conveniently located just a smooth 30-minute drive into San Antonio via I-35, this home offers the peace of small-town living without sacrificing accessibility to the city. This home delivers the perfect combination of standout curb appeal, functional living space, and an outdoor setup that's hard to find - all enhanced by thoughtful details that elevate both lifestyle and usability. Come tour your new home 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.
