104 Amelia Ct Kerrville, TX 78028
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About this home
This is the one!! Updates, upgrades and more upgrades galore!!! Standing seam metal roof (2019), new A/C (2021), new water heater (2024), garage conversion into office with mini-split A/C, laundry room and workshop/storage area (2021), luxury vinyl plank flooring throughout (2025), built-in stainless microwave and dishwasher, Walk in master shower (2024), Complete Interior Paint (2025) . . . the list goes on and on. This spotless smoke-free single story 3/2 with garage conversion stands out as a jewel in the Sierra Vista neighborhood. The 2021 conversion adds a laundry room, office and an additional 140 s.f. in workshop and storage space. Perfect location just a few blocks from the SH-534 Loop, which means just minutes to I-10 and easy access to any Kerrville location. Growing families will appreciate the close proximity to Daniels Elementary School, Hal Peterson Middle School and Tivy High School. Plus the Singing Winds Park and Pool are just two blocks away! Retired prospects will love the single story floor plan with walk in shower. The kitchen with stainless appliances also features a new motion-activated faucet upgrade. The luxury vinyl plank floors are kid-proof and easy to keep clean. The exterior is finished in durable Hardie cement-board siding. The back yard is manageable and has many possibilities. This well-maintained home is move-in ready!!
Source: SABOR #1909361
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.