An exquisite Sitterle home is nestled in upscale gated El Sonido at Campanas community, part of Cibolo Canyons' most desirable, unique master-planned development. Its location, just across from the JW Marriot Spa & Resort and minutes from shopping, dining, and nearby activities, offers both convenience and luxury. This luxury home features three bedrooms, three full baths, one 1/2 bath, a formal dining room, an office, a media room, and a spacious three-car tandem garage. It was designed with an eye for timeless beauty and elegance and built with the best materials. As you enter the foyer, you're greeted by an open floor plan that seamlessly connects the living room, dining area, kitchen, and office. Enjoy upgraded custom high-end finishes throughout, touch of sophistication throughout the home. A magnificent main living space featuring a wall of windows that flood the room with natural light, dark beams accentuating the living room's high ceiling, adorned with a beautiful fireplace, complimenting the open space, crown molding, beautiful lighting, and surround sound system. A gorgeous chef's kitchen and culinary heaven is a masterpiece of design and functionality. It features stainless steel appliances, granite countertops, double ovens, custom cabinetry, a large island that provides ample space for hosting and entertaining, and a walk-in pantry with extensive storage solutions. The luxurious primary bedroom suite, an extensive spa-like primary bath featuring dual granite vanity and an extensive custom tile, walk-in shower with dual shower heads. There are two more secondary, private guest bedrooms with a full bath. The extended covered backyard patio is an entertainer's dream that overlooks a spacious backyard oasis with a wrought iron fence opening to the greenbelt and a paved walking trail, one of many walking trails throughout the neighborhood. A built-in outdoor kitchen is a chef's delight, with a striking outdoor fireplace that makes this back patio a great spot to gather with family and friends for a cookout, a sitting area for long, starry nights, s'mores, and wine. The backyard is prepped for a pool addition. With 2,100 acres of breathtaking landscape, Cibolo Canyons is a community that offers more than just a home. It features distinctive residences and an array of community amenities that cater to an active lifestyle. Adjacent to the world-class JW Marriott, San Antonio Hill Country Resort & Spa, and two PGA golf courses, Cibolo Canyons is the active master-planned community that makes this incredible lifestyle at Campanas a reality. Campana's amenities include private access to two Cibolo Canyons community centers with a pool, lazy river, clubhouse, playground, pickleball court, jogging trails, and much more. The HOA includes an annual grounds maintenance program available for the community, ensuring that the community always looks its best. This home, with over $200K in upgrades, truly has it all. Don't miss this rare opportunity to own a piece of Texas luxury living!
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.
