Ideally located in the highly sought-after Whisper Falls community, this stunning 5-bedroom, 3.5-bath home with a spacious game room offers the perfect blend of comfort, style, and functionality. Situated on a desirable corner lot, the home features modern updates, multiple living and dining spaces, an open-concept floor plan filled with natural light, solar panels for enhanced energy efficiency, and an incredible backyard retreat designed for entertaining. Upon entry, you're welcomed by a formal dining room that flows effortlessly into the chef-inspired kitchen, complete with granite countertops, a Samsung Smart Refrigerator, breakfast bar seating, and an abundance of cabinet and counter space. The kitchen opens seamlessly to the spacious living area, creating the ideal setting for everyday living and gatherings alike. The private downstairs primary suite serves as a true retreat, highlighted by a custom art deco accent wall and a beautifully updated ensuite bath featuring dual vanities, a relaxing garden tub, and a separate walk-in shower. Upstairs, you'll find an oversized game room that is sure to impress, complete with a built-in entertainment bar featuring quartz countertops, a built-in kegerator, and stainless-steel wine fridge. Four generously sized secondary bedrooms are thoughtfully positioned upstairs, providing ample space and privacy for everyone. Step outside and discover a backyard built for enjoyment. The covered patio, private hot tub, and expansive yard offer endless opportunities for outdoor entertaining, relaxing evenings, and weekend gatherings. Residents of Whisper Falls enjoy access to exceptional community amenities, including a neighborhood pool, clubhouse, playground, and sports court, all while benefiting from convenient access to Highway 90. Located within acclaimed Medina Valley ISD, the home is just minutes from shopping, dining, Lackland Air Force Base, and SeaWorld San Antonio. Downtown San Antonio, the River Walk, and The Alamo are all within easy reach, while outdoor enthusiasts will appreciate the proximity to Government Canyon State Natural Area and the many recreational opportunities throughout the growing west San Antonio corridor. This home truly checks all the boxes. 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.
