Tucked beneath a canopy of mature trees, this inviting home offers a blend of character, space, and everyday comfort in one of Northwest San Antonio's established communities. From the moment you arrive, the oversized and extended driveway provides both convenience and flexibility, while the home's charming exterior and welcoming front porch set the tone for what's inside. A flagstone patio creates a warm and inviting entry, perfect for morning coffee or quiet evenings. As you step inside, the home opens to a light-filled layout designed for both everyday living and entertaining. The kitchen offers ample cabinetry and workspace and flows easily into the main living areas, creating a natural connection between spaces. Just off the kitchen, you'll find both a dedicated dining area and a separate breakfast space, giving you flexibility depending on how you live and host. The living room is anchored by a striking floor-to-ceiling stone fireplace that creates a warm, grounded focal point. Large windows bring in soft natural light and connect the indoors to the surrounding greenery, adding to the home's comfortable and inviting feel. The primary suite offers a comfortable retreat and has been thoughtfully updated, featuring a walk-in shower with tile detailing that creates a spa-like feel. One of the standout features of the home is the enclosed patio, offering flagstone flooring and expansive windows that bring in natural light. This space functions beautifully as an additional living area or flex space ideal for a reading room, home office, or quiet place to unwind. Step outside and the backyard continues the story, with an extended flagstone patio that enhances the outdoor living space. A private hot tub offers a place to relax, while the privacy fence, zero-scaped yard, and storage building provide both functionality and ease of maintenance. Located in Northwest Crossing, residents enjoy access to neighborhood amenities including pools, parks, walking trails, and sports courts, all while being conveniently positioned near major roadways, shopping, and dining. This home offers a thoughtful combination of indoor comfort, flexible living spaces, and outdoor enjoyment.
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.
