1126 Winding Creek Trl Spring Branch, TX 78070
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About this home
**SELLER IS OFFERING TO BUY DOWN YOUR INTEREST RATE FOR THE FIRST YEAR! ** Details provided upon request. Experience peaceful Hill Country living in this beautifully maintained two-story home located in the sought-after Cypress Cove neighborhood near Canyon Lake. This 3-bedroom, 2½-bath home in Spring Branch, TX sits on a quiet cul-de-sac lot that backs to a private greenbelt, offering a rare combination of comfort, privacy, and connection to nature within Comal ISD. Step inside to find an open-concept layout designed for easy living and entertaining. The spacious kitchen flows seamlessly into the dining and living areas, filled with natural light and warm finishes that make the home feel inviting from the moment you enter. Upstairs, the owner’s retreat features a private balcony- the perfect place for morning coffee, quiet reading, or stargazing in the evening. The additional bedrooms and a flexible loft space (ideal for a home office or second living area) provide room for everyone to live, work, and relax. Outside, enjoy a large back deck overlooking the wooded greenbelt, perfect for BBQs, gatherings, or simply unwinding while deer wander by. The spacious fenced back and side yard offers plenty of room for pets to roam and play—ideal for dog owners or anyone who loves outdoor living. The property also includes a 10x16 storage building with double lofts, great for storing tools, lawn equipment, or outdoor gear. Want even more space or privacy? The adjacent wooded .23-acre lot is also available for purchase. Cypress Cove residents enjoy community amenities including a swimming pool, tennis court, fishing pond, park, and private boat ramp access to Canyon Lake—ideal for weekend adventures and family fun. If you’re looking for a Hill Country home near Canyon Lake that blends natural beauty, comfort, and convenience, this one stands out.
Source: CENTRALTEXAS #589915
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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.
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