VA loan
1 of 59
VA loan
$415,000

6247 Ozona Ml, San Antonio, TX 78253

4 beds · 4 baths · 3,224 sqft sqft

Welcome to your ideal family haven at 6247 Ozona Mill! This charming two-story home boasts an array of updates and features that make it an ideal home for any family. It truly combines modern living with an unbeatable location, making it the perfect place for your family to thrive. Step into a home that has been meticulously cared for and upgraded for your comfort. A brand-new roof (2023), fresh carpeting installed in 2022 ensures a fresh and welcoming atmosphere. With two recently updated AC units (2018 & 2020) and a water heater installed in 2018, you can enjoy year-round comfort. This spacious home is designed for both relaxation and entertainment. With three expansive living areas and dining spaces, there's plenty of room for everyone to gather and unwind. The heart of the home is the well-appointed kitchen, featuring elegant granite countertops, a beautiful backsplash, and a seamless flow to the breakfast bar, breakfast nook, and living room. A generous pantry and butler's bar add extra convenience for your culinary needs. Host memorable dinner parties in the dining and living area, which comfortably accommodates a large dining table and sitting area. Upstairs, you'll find all bedrooms and the laundry room, including a luxurious primary bedroom with tray ceilings, dual walk-in closets, and a double vanity in the ensuite. The versatile loft area upstairs provides additional space for a playroom, home office, or anything else your family desires. Step outside and enjoy your private, fenced-in backyard partnered with a covered patio that's perfect for summer entertaining. Enjoy peace and privacy with no back-facing neighbors and mature trees adding charm to the setting. It's most definitely ideal for gatherings. Located in the vibrant Alamo Ranch community, this home offers an incredible array of amenities just a short walk away. Dive into the sparkling pool, enjoy the sports courts, or let the kids have fun at the playground. The HOA also brings joy with regular visits from food trucks and ice cream vendors. Convenience is at your doorstep with Alamo Ranch's booming restaurants, shopping plazas, and entertainment options. With easy access to HWY 1604, I-10, I-151, and I-90, and proximity to Lackland AFB, this location is perfect for a well-connected lifestyle. Plus, you're in the highly-regarded Northside School District, making this the ideal place to come home to. Additional highlights include a central vacuum system, irrigation system, overhead garage storage, and 6-inch covered gutters. Don't miss this pristine, move-in-ready home that offers both comfort and an exceptional location-your perfect family oasis awaits!

Interest rate 3
4%
With Roam
7%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$1,973
With Roam
$2,711
Reduce your monthly payments by $738 when you assume this mortgage.
You also save $249,575 in total interest paid.

$15,207
Edit

You may be able to put down less than the total down payment amount of $15,207 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Details
Home
Size
3,224 sqft
Lot size
0.153 acres
Year built
2010
Type
Single Family Residence

Source: SABOR #1808511

Loan
Remaining term
28 years, 2 months
Rate
4%
Monthly P&I
$1,973
Remaining loan balance
$399,792

Source: Public records

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

Will an assumption work for me?

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An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.

Why do buyers use Roam?

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Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.

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Last updated: Nov 02, 2024 10:11 am
Listing agent: Kristina Zachary (210) 218-2637
Listing provided courtesy of: Keller Williams Heritage (210) 493-3030
Details provided by SABOR and may not match the public record.
MLS ID: #1808511
The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the San Antonio Board of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than Everystate, are indicated by detailed information about them such as the name of the listing firms. Information deemed reliable but not guaranteed. Copyright © 2024 San Antonio Board of REALTORS®. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 45 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$1,973/mo
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