Welcome to one of the most upgraded homes you will find on the market in Bulverde, TX. This stunning one story luxury home offers more than 3,300 square feet of thoughtfully designed living space and features 4 spacious bedrooms, 3 full bathrooms, a private study, a dedicated media room, and a breathtaking screened in outdoor living area that allows you to enjoy the beauty of Texas Hill Country living year round. From the moment you walk inside, the attention to detail and high end upgrades immediately stand out. The open concept living room features soaring vaulted ceilings with beautiful wood wrapped beams and a dramatic floor to ceiling stone fireplace that creates a warm and inviting centerpiece for the home. Gorgeous wood look tile flows throughout the main living areas and the primary suite, offering both durability and style, while plush carpet is reserved for the secondary bedrooms for added comfort. The kitchen is truly a showstopper and designed for both entertaining and everyday living. Beautiful upgraded granite countertops pair perfectly with the striking two tone cabinetry, featuring crisp white upper cabinets and rich natural wood lowers. Cooking enthusiasts will love the built in double ovens, microwave, upgraded five burner gas cooktop, pot filler, and the incredible amount of cabinet storage including an additional row of upper cabinets for maximum functionality. Massive sliding glass doors open from the living room to one of the most impressive outdoor living spaces you will find. The vaulted covered patio leads into a large screened in porch that allows you to enjoy the outdoors while staying comfortable in every season. A gas stub out is already in place for a future outdoor kitchen, and an additional patio slab provides even more room for entertaining. Mature oak trees in the backyard create a peaceful and private setting that truly captures the charm of Texas living. The primary suite is a private retreat featuring vaulted ceilings, beautiful wood beam accents, and large windows that bring in abundant natural light and relaxing views of the backyard. The spa inspired primary bathroom is designed to impress with a freestanding soaking tub positioned against a custom tiled accent wall, double vanities, a dedicated makeup vanity, and an oversized walk in shower tiled to the ceiling with multiple shower heads including a luxurious rain shower. Even better, the suite includes two spacious walk in closets. Movie nights will never be the same thanks to the incredible media room, complete with a projector, surround sound system, and remote controlled blackout shades that convey with the home to create a true in home theater experience. The secondary bedrooms are generously sized and offer walk in closets and upgraded ceiling fans, while the secondary bathrooms feature beautifully designed walk in showers tiled to the ceiling for a truly luxurious feel. For those who work from home or need a quiet space, the private study features double door entry, a decorative shiplap accent wall, and beautiful views of the surrounding Hill Country landscape. Additional upgrades continue throughout the home including a whole home in wall vacuum system for added convenience and a spacious three car garage featuring epoxy flooring, built in storage racks, and a water softener system. This extraordinary property combines luxury finishes, thoughtful design, and incredible indoor outdoor living spaces to create a home that truly stands out from the rest. Homes with this level of upgrades and attention to detail rarely come available. Why build when you can have it all - Move In Ready!!
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.
