Fully Remodeled Ranch-Style Home on 1 Acre | Metal Roof | No HOA | 100% Financing Available. EVERYTHING BRAND NEW! Move-in ready and fully remodeled, this 4-bedroom, 2-bath ranch-style home offers 1,808 sq ft of fresh modern county living on a fully fenced 1-acre lot with beautiful mature trees, stone exterior home, a metal roof, and no HOA. No Restrictions! Your horses, chickens, and trucks are welcome! This home gives you the space and privacy of country living while keeping you close to San Antonio. From the long ranch-style front porch the property feels peaceful, open, and ready for everyday living. Inside, the home has been beautifully updated and feels like New Construction. The bright open concept layout features high ceilings, new luxury vinyl plank flooring, fresh paint, new kitchen, modern farmhouse lighting, and a split-bedroom floor plan that gives the primary suite extra privacy plus a huge walk-in closet. The kitchen is the heart of the home with a large 10 ft island, updated finishes, and plenty of room to gather, cook, and entertain. Recent upgrades include a new HVAC system, new water heater, new kitchen, updated bathrooms, new flooring, fresh paint, and modern finishes throughout. The metal roof adds long-term durability and peace of mind. Outside, enjoy a large 18 ft x 20 ft covered back patio, acre lot with plenty of room for chickens, a horse, work trucks, a trailers, or camper, and the kind of freedom you cannot find in a typical subdivision. The 24 ft x 14 ft detached carport adds useful covered space for vehicles, equipment, or storage. Located in San Antonio with easy access to Loop 410, I-37, Toyota, Texas A&M San Antonio, Brooks City Base, Downtown San Antonio, shopping, schools, and parks, this home offers the rare mix of space, convenience, and value. This home is FHA eligible and qualifies for 100% financing, making it an excellent opportunity for buyers looking for a fully remodeled home with acreage close to the city, but in the county for lower taxes and no restrictions! If you have been looking for a modern country home with land, privacy, no HOA, and easy access to around San Antonio, this is the one for you!
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.
