11904 Trail Holw Schertz, TX 78154
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About this home
**2.25 RATE ASSUMABLE VA LOAN ** OR ** This house comes with a REDUCED RATE as low as 5.125 (APR 5.45) as of 11/06/2025 through List & LockTM. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information.** This stunning four-bedroom, 2 full bath, 2 half bath, home offers spacious living in the popular Crossvine community. Ideally located on a quiet cul-de-sac and backing to a peaceful greenbelt buffer, it's just a short walk to an abundance of neighborhood amenities. The main level features a large living area with a cozy fireplace and custom mantel, formal dining, and a bright kitchen with white finishes, abundant cabinetry, and space for casual dining. The expansive primary suite includes a generous en-suite bath and walk-in closet, while the secondary bedrooms and office provide flexibility for any lifestyle. Upstairs, a versatile loft serves perfectly as a media, game room, or second living space. Better than new, this well cared for home shines with thoughtful updates and a private backyard oasis featuring a heated Keith Zars pool, covered porch, and outdoor speakers, perfect for year-round entertaining. Close proximity to major highways, shopping, restaurants, and minutes to Randolph military installation. Combining comfort, function, and a prime location, it's ideal for modern Texas living.
Source: SABOR #1920993
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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.