TWILIGHT OPEN HOUSE THIS THURSDAY, 5 PM - 7 PM! There's a difference between a house that was built and a house that was cared for. This one is both. __________ Built in 2021 by Empire Homes and owned by one family since day one, 4002 Arena Blanca has been treated with the kind of attention that shows up in the small things: the condition of the floors, the way everything still looks new, the fresh brand new paint, the upgrades that were chosen thoughtfully at build and have held up beautifully ever since. _____________________ Walk into the main living area and the first thing you notice are the ceilings: 18 to 20 feet, open and light-filled, anchored below by a limestone fireplace that makes the whole room feel grounded. The kitchen wraps around an oversized island with an apron-front farmhouse sink, Stage 4 granite countertops with dramatic veining, gray shaker cabinetry with matte black hardware, a gas cooktop, a built-in oven, and under-cabinet lighting. It's the kind of kitchen where people naturally gather, and it flows directly into the living space so no one ever feels separated from the room. A beautiful open staircase leads up to a catwalk overlooking the main living area. Framed by those soaring ceilings, it's one of those spaces that photographs well but feels even better in person. ________________ The primary suite is on the first floor, tucked down its own private corridor. The bath has a walk-in shower, deep soaking tub, dual vanities with siltstone countertops, and a custom closet that genuinely has to be seen - floor-to-ceiling matte black built-ins, a dedicated tiered shoe wall, accent lighting, and nearly 90 square feet of thoughtfully designed space. ______________ A private office with oversized windows sits just off the main living area. Upstairs, four bedrooms - including a second bedroom that runs 14' x 14'10", easily a guest suite or second primary - are served by three full baths. The media room/flex space with double French doors is the kind of room that becomes whatever your family needs it to be. Movie nights, a play space, a home gym, a creative studio - it adapts. ___________________ The covered back patio with recessed lighting and a ceiling fan opens to a flat, fully privacy-fenced backyard. There's room to breathe back here, and room to make it your own. _____________________ Living in Cibolo Canyons means the resort isn't something you visit - it's where you live. A junior Olympic lap pool, lazy river, splash zone, fitness center, walking trails, tennis and pickleball, clubhouse, and greenbelts lined with native Texas Oak. The JW Marriott San Antonio Hill Country Resort & Spa is your neighbor. TPC San Antonio - two PGA championship courses - is less than a mile away. Restaurants, coffee, medical care, and everyday errands are all within two miles. Downtown San Antonio is 20 miles south. ________________ Zoned Judson ISD. Families also have the option to apply to attend NEISD through the district's April 2026 open enrollment program (subject to review and campus capacity; check the NEISD website for details). __________________ 2021 Empire Homes One owner Stage 4 granite Custom closet First-floor primary + laundry 5 BD | 3.5 BA Media/flex room Vaulted ceilings Limestone fireplace Cibolo Canyons amenities Priced for real value per square foot. __________ Welcome Home!
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.
