Welcome to a custom-built estate in the gated community of Belle Oaks Ranch, where timeless Hill Country elegance meets modern luxury on a private 1.14-acre homesite framed by heritage oak trees. Also available to qualified buyers is a rare 2.25% assumable VA loan, offering a meaningful advantage in today's market. Designed for effortless everyday living and elevated entertaining, this expansive single-story residence offers over 4,300 square feet with soaring 14-foot ceilings, open-concept living spaces, and seamless indoor-outdoor flow throughout. Rarely does a single-story home combine this level of architectural scale, private multi-generational living, resort-style outdoor spaces, and a four-car garage on a fully improved acre-plus homesite. At the center of the home, dual panoramic sliding glass walls open to an extraordinary outdoor living experience featuring an extended screened patio with both covered and open-air spaces, a fully equipped outdoor kitchen, and a stunning custom pool with sun shelf and water features, all surrounded by professionally landscaped grounds designed for privacy and relaxation. The chef's kitchen blends warmth, functionality, and striking design with custom double-stacked cabinetry, expansive granite surfaces, an oversized 5.5' x 11' island, double Bertazzoni gas wall ovens, a 48" six-burner gas range with oversized griddle, built-in refrigeration wall, Thermador coffee system, dedicated beverage bar with wine refrigeration and ice maker, and an expansive walk-in pantry. Privately situated, the primary suite offers direct outdoor access and a spa-inspired bath anchored by a remarkable oversized walk-in shower and an expansive custom three-tier closet. Secondary bedrooms are generously sized, with most offering en-suite baths and walk-in closets, creating comfort and privacy for family and guests alike. A dedicated executive office provides an ideal work-from-home setting, while the thoughtfully designed multi-generational wing includes its own living area, bedroom, en-suite bath, and walk-in closet, offering exceptional flexibility for extended family, guests, or independent living arrangements. Additional highlights include: * 4-car garage with 8-foot doors and epoxy flooring * Oversized driveway * 4x6 construction for enhanced energy efficiency * All-tile flooring throughout * Fully landscaped and fenced homesite with mature oak canopy * Drip irrigation system for low-maintenance living Belle Oaks Ranch residents enjoy resort-style amenities including a clubhouse, pool, pickleball, tennis courts, basketball courts, and playground, all just minutes from San Antonio dining, shopping, and top-rated schools. Combining single-story luxury living, resort-style outdoor spaces, exceptional multi-generational flexibility, and a rare 2.25% assumable VA loan opportunity, this is a home that stands apart even within Belle Oaks Ranch.
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.
