Located in the highly coveted, gated community of The Reserve at Copper Canyon in beautiful Bulverde, Texas. Built in 2023 and offered in truly better-than-new condition, this 2,159 square foot single-story home sits on a level half-acre lot and combines modern design, thoughtful upgrades, premium community amenities and Hill Country living - all with no city taxes and no MUD tax. From the moment you arrive, the covered front porch creates a warm and inviting first impression. Step inside and you're immediately greeted by abundant natural light, neutral tones, and luxury vinyl plank flooring - with almost zero carpet anywhere in the home. The open-concept design seamlessly connects the living, dining, and kitchen spaces, creating an ideal flow for everyday living and entertaining. The kitchen is both stylish and functional, featuring stainless steel appliances, gas cooking, quartz countertops, subway tile backsplash, modern gold hardware, and a touch-free Wellfor faucet with a deep basin sink. Abundant cabinetry and a large walk-in pantry provide exceptional storage. The kitchen opens to a 16x13 dining room with great views to the private backyard. The 20x18 living room offers plenty of space to relax, and entertain alike with a large ceiling fan and abundant natural light pouring in from the windows with 2" faux wood blinds throughout. Smart home technology enhances both convenience and security, including a digital front door lock, video doorbell, smart thermostat, smart Z-Wave switches, garage door openers, and a smart home panel with security system pre-wiring. The split-bedroom layout ensures privacy, with the primary suite thoughtfully separated from the secondary bedrooms. This spacious retreat offers a spa-like bath complete with dual vanities, a large walk-in shower with natural light, open linen storage, a private water closet, and a huge walk-in closet, the only room with carpet in the home. Three additional bedrooms provide flexibility and individual privacy, each with generous closet space, upgraded fixtures, natural light and easy access to a well equipped full bath with tub/shower combo and more open linen storage. The oversized utility room is a standout feature - offering extensive storage and auxiliary space for additional appliances or organization needs. Throughout the home, you'll find impressive closet space, smart storage solutions, and a true sense of intentional design. Step outside to the covered back patio, complete with a retractable shade system, creating a comfortable space to relax year-round. The privacy-fencing has been freshly stained offering a clean, finished look with room to personalize. With a level half-acre lot, there's ample space for future enhancements while still maintaining privacy. Additional upgrades include a water softener with whole-home carbon filtration system, a sprinkler system and a two-car garage. The Reserve at Copper Canyon residents enjoy gated entry, premium community amenities such as swimming pool with splash pad, gym park with playground and dog park, highly rated schools, and convenient access to Highway 281 - making commuting into San Antonio simple while still enjoying Hill Country living. This move-in-ready home delivers modern comfort, privacy, technology, and financial advantages - without the wait of new construction, on a lot that is nearly impossible to find.
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.
