The seller will assist with buyer's closing costs with the right offer! Plus lender incentives towards buyer's closing costs! BIG SAVINGS ON MONTHLY MORTGAGE PAYMENTS! Welcome to 31940 Native Sun Rd, Bulverde, Texas - a beautifully maintained 3-bedroom, 2-bath brick home offering 1,608 sq ft of smart, stylish living space that blends comfort, function, and elegance. This home features a bright open-concept floorplan with a seamless kitchen and living room combo, perfect for entertaining, relaxing, and everyday living. The kitchen opens directly to the living area, making the space feel wide, airy, and welcoming. The primary bedroom is privately located in the back of the home and includes a gorgeous en-suite bathroom with double vanity sinks, tile finishes, and a spacious walk-in closet for convenience and comfort. Two additional bedrooms offer flexibility and functionality, with one bedroom perfectly suited as a home office, guest room, or creative space. The kitchen features beautiful cabinets, quartz countertops, energy-efficient appliances, including a dishwasher, microwave, and stove, plus a spacious pantry for extra storage. Outside, enjoy a flat, private backyard ideal for gatherings, pets, relaxation, or gardening, enhanced by a full sprinkler system. This home is truly move-in ready and has been very well maintained. Additional highlights include fiber-optic high-speed internet, a garage door opener, and a strong brick exterior for timeless appeal and durability. Washer, dryer are negotiable with the sale. COMMUNITY: Imagine living in a RESORT STYLE COMMUNITY where every day feels like a vacation! Experience modern living with amenities like a stunning infinity pool, a brand-new Junior Olympic-sized lap pool, and a splash pad for kids. Access a contemporary clubhouse, a well-equipped 24/7 gym, a fitness center, and enjoy yoga classes. Discover miles of scenic walking and biking trails and access to the dog-friendly Kleck Park. Challenge friends to basketball, host BBQs, or spend quality time with your children on multiple playgrounds, where one features an exhilarating zip line, while the other offers diverse play options! Join an engaging community center hosting live music, events, and food trucks. Relax by the catch-and-release fishing pond. Hidden Trails offers a vibrant lifestyle with endless possibilities! LOCATION: Hidden Trails subdivision provides convenience, located just off Highway 281, with a few minutes drive to nearby shopping at HEB and Walmart, as well as Starbucks, restaurants, and medical facilities. All your daily needs are within easy reach. The San Antonio Airport is a mere 30 minutes away. Additionally, the stunning Canyon Lake is just a short 20-minute drive.
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.
