Welcome to your next chapter in beautiful New Braunfels! This warm and inviting 4-bedroom, 3-bathroom home is designed with families in mind—offering the perfect mix of comfort, style, and functionality in the highly desirable Overlook at Creekside community. Situated on a premium corner lot in a peaceful neighborhood, this Pulte-built home has been lovingly maintained and thoughtfully upgraded. Step inside to discover a bright, open living space filled with natural light and warm finishes that make you feel right at home. Whether you’re hosting movie night or enjoying a quiet evening in, the open layout is perfect for everyday family living and easy entertaining. The gourmet kitchen is truly the heart of the home, featuring granite countertops, a spacious island, and stainless steel appliances—ready for family dinners, baking days, and all the moments in between. Refrigerator included! Enjoy an energy efficient home equipped with solar panels at no additional cost. The primary suite is your personal retreat, complete with a large walk-in closet and dual vanities. Two additional spacious bedrooms and an upstairs bonus room offer flexible space for a playroom, home office, or family media room. Plus, the private upstairs bedroom with a full bath is perfect for guests, teens, or extended family. Step outside to your covered patio and xeriscaped backyard—a relaxing, low-maintenance space ideal for outdoor BBQs, family dinners, or weekend fun. Families in Overlook at Creekside enjoy a welcoming community atmosphere, access to a neighborhood pool, and a location close to top-rated Comal ISD schools, historic Gruene, Canyon Lake, and plenty of shopping, dining, and entertainment. With easy I-35 access, commuting and weekend getaways are a breeze. With its family-friendly layout, move-in ready condition, and Hill Country charm, this home checks every box. Come see for yourself why this gem is the perfect place to put down roots—schedule your private showing today!
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.
