Welcome to this beautifully upgraded 4-bedroom, 2-bathroom home located in one of San Antonio’s premier lagoon communities, where resort-style living meets modern design. This home is loaded with upgrades from top to bottom, offering a level of finish you won’t find in most homes in the area. As you step inside, you’re greeted by tall 9’4” ceilings, an open and airy layout, and high-end ceramic tile flooring throughout the main living areas, creating a clean and modern feel. The gourmet kitchen is a true centerpiece, featuring upgraded quartz countertops, premium cabinetry, pendant lighting rough-ins, and a spacious layout perfect for entertaining. The open floor plan flows seamlessly into the great room, enhanced by upgraded LED lighting and prewiring for a full home theater speaker package. Designed with privacy in mind, the split floor plan places the primary suite on its own side of the home. The owner’s suite features upgraded quartz countertops, a fully tiled Level 3 shower with large-format tile, double doors to the bath, and even a pedestal tub option—creating a true spa-like retreat. Additional interior upgrades include custom interior paint, deluxe trim package, crown molding, upgraded interior finishes, added LED lighting in both the primary bedroom and main living areas and a built-in home theatre system featuring in ceiling speakers and a subwoofer for immersive surround sound. Step outside to enjoy your spacious lot with peaceful pond views, enhanced by sod and irrigation already in place, plus an acrylic-finished patio perfect for relaxing or entertaining. The exterior also stands out with stone accents, an 8’ full-lite front door, and a modern elevation package that adds to the home’s curb appeal. Practical upgrades include: Cable and fan prewires throughout Upgraded lighting packages Additional windows in key areas including the master bath and nook All of this is located inside a highly desirable lagoon community, giving you access to one of the most unique and exciting lifestyle amenities in the area. If you’re looking for a move-in ready home with real upgrades, modern finishes, and a premium lot with a view, this one is a standout.
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.
