Nestled in one of San Antonio's most sought-after communities, this stunning 1.5-story home offers the perfect blend of space, functionality, and lifestyle. Boasting over 2,800 square feet, this thoughtfully designed residence features 4 spacious bedrooms, 2.5 bathrooms, and a versatile upstairs flex room that can easily serve as a game room, home office, media room, or even a 5th bedroom. From the moment you step inside, you'll appreciate the open-concept layout designed for both everyday living and entertaining. The heart of the home is the beautifully appointed kitchen featuring granite countertops, stainless steel appliances, gas cooking, abundant cabinetry, a breakfast nook, and a bar-height seating area perfect for gathering with family and friends. The kitchen flows seamlessly into the spacious living room and formal dining area, creating an inviting atmosphere throughout. The oversized primary suite offers a true retreat, with plenty of room for your king-sized furniture and a spa-inspired ensuite bath featuring dual vanities, a relaxing garden tub, an oversized tiled walk-in shower, and a huge walk-in closet. One of the standout features of this home is the fully paid solar panel system that conveys with the property, helping keep utility costs remarkably low while providing long-term energy savings. Step outside and enjoy your private backyard oasis complete with a generously sized covered patio, lush green lawn, mature crepe myrtles, beautiful landscaping, and a storage shed. Whether you're hosting weekend barbecues or enjoying a quiet evening outdoors, this backyard was designed to be both beautiful and low maintenance. Located in the highly desirable city of Helotes and zoned to acclaimed Northside ISD schools, including Brandeis High School, residents enjoy access to community amenities such as a neighborhood park, sports court, and walking trails. Conveniently located just minutes the Famous Flores Country Store , Old Town Helotes, H-E-B Plus, Target, Home Depot, Lowe's, restaurants, entertainment, and major highways including Loop 1604, you'll have everything you need right at your fingertips. With three sides brick construction, exceptional curb appeal, energy-efficient solar panels, and a floor plan that checks every box, this move-in-ready home offers the lifestyle you've been searching for. Space. Location. Energy Savings. Lifestyle. This Helotes gem truly has it all.
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.
