10607 Carmona Helotes, TX 78023
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About this home
$10,000 in SELLER CONCESSIONS! Move-In Ready 4-Bed, 2.5-Bath Home with Dual Offices & Solar Panels in Triana! Nestled on a lovely cul-de-sac and backing to a green belt, this spacious 2-story home features an open floor plan with high ceilings, two dedicated downstairs offices, a formal dining room, and a generous living area. The island kitchen boasts granite countertops, stainless steel appliances, gas cooking stove, and freshly painted cabinets. Upstairs, you'll find a large game room, all secondary bedrooms, the laundry room, and the primary suite, which includes a double vanity, walk-in shower, and an oversized walk-in closet. Enjoy outdoor living on a .22-acre lot with mature trees, a private fenced yard, and a partially covered patio-perfect for relaxing or entertaining. Solar panels provide energy efficiency and cost savings. Located in the highly desirable Triana community, with top-rated schools and great neighborhood amenities!
Source: SABOR #1908949
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.