Discover a rare opportunity to embrace sustainable living without sacrificing modern comfort in this energy-efficient, solar-ready home located in the desirable Alamo Ranch area. Designed for flexibility and connection to nature, this south-facing residence offers a unique blend of self-sufficiency, thoughtful upgrades, and everyday convenience. The heart of the property is its exceptional outdoor living experience. Step outside to more than 2,000 square feet of custom-designed garden space featuring raised beds filled with organic soil, trellises, fruit trees, and an automated smart irrigation system. A climate-controlled 8x16 custom greenhouse allows for year-round growing and is currently producing enough organic fruits and vegetables to supply approximately 70% of a family of four's needs, supporting a true garden-to-table lifestyle. Inside, abundant natural light fills the open living and dining areas thanks to optimal southern exposure, creating bright interiors while minimizing afternoon heat. The chef-inspired kitchen serves as the centerpiece of the home, showcasing a massive 12-foot island, floating shelves, designer backsplash, professional range hood, separate gas range, new wall oven, and an ultra-quiet Bosch dishwasher-ideal for both everyday living and entertaining. Flexibility defines the floor plan with dual primary suites, offering versatile living arrangements suited for guests, multigenerational needs, or work-from-home flexibility. Upstairs includes an additional primary suite along with two spacious secondary bedrooms connected by a convenient Jack-and-Jill bath with separate sinks and closets. Energy-conscious features continue throughout with low-VOC paint, LED lighting, ceiling fans, intelligent climate control, and solar readiness. Major recent improvements include a brand-new roof, new water heater, privacy fence installed in Spring 2025, freshly painted patio railing, water softener, and a Vivint security system for added peace of mind. Ideally positioned for convenience, the home offers easy access to shopping, dining, parks, and everyday amenities, along with connectivity to major commuter routes throughout San Antonio. The Home also is accessible to the top rated SST Northwest school district, ranked 16th. The property is located approximately 13 miles from Lackland Air Force Base and about 23 miles from Joint Base Camp Bullis, providing convenient regional access while maintaining a peaceful residential setting. Whether seeking sustainability, flexibility, or a home designed to support a more connected lifestyle, this move-in ready property offers a rare balance of innovation, comfort, and serenity. The established garden is already producing a plentiful seasonal harvest-ready for its next owner to enjoy. Schedule your private tour today and experience a home designed to help you grow a better future.
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.
