Welcome to this stunning two-story home that perfectly blends comfort, style, and functionality. Featuring four spacious bedrooms, a three-car garage, and an abundance of thoughtfully designed living space, this home is ideal for both everyday living and entertaining. A dedicated study and formal dining room provide the perfect setting for work and gatherings, while the open-concept layout, soaring ceilings, crown molding, and cozy fireplace create an inviting atmosphere throughout. At the heart of the home is the beautifully remodeled entertainer's kitchen, updated in 2021 with stainless steel appliances and stylish finishes. The kitchen flows seamlessly into the main living area, making it the perfect space for hosting family and friends. The private primary suite offers a true retreat with a fully remodeled spa-like bathroom and a custom-designed walk-in closet featuring exceptional storage and organization. Upstairs, you'll find three additional bedrooms, including a private guest suite with its own en-suite bathroom, along with a versatile loft/second living area and media room-perfect for movie nights or relaxing evenings at home. Additional updates include a roof replacement and attic fan in 2026, redesigned secondary bedroom closets, and privacy fencing installed in 2019. Downstairs features durable wood-look ceramic tile flooring, while the upstairs offers a blend of luxury vinyl plank flooring and carpet. Step outside to your own private backyard oasis, complete with a sparkling swimming pool perfect for cooling off during hot Texas summers. The updated patio deck includes convenient storage underneath for lawn and pool equipment. Towering windows in the living room, enhanced with a remote-controlled system, showcase beautiful views of the expansive lot backing to a peaceful greenbelt. Blending modern updates with warm, welcoming charm, this exceptional Stone Oak residence offers more than just beautiful living spaces-it delivers a lifestyle of comfort, flexibility, and connection in one of San Antonio's most sought-after communities. Conveniently located near major highways, San Antonio International Airport, military bases, hospitals, golf courses, shopping, dining, and schools within the highly regarded North East Independent School District. It's more than a house-it truly feels like home.
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.
