12017 Vignette Schertz, TX 78154
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About this home
Welcome to 12017 Vignette-a stunning 4 bedroom 3 bathroom home offering 2,232 square feet of thoughtfully designed living space in the award winning Crossvine master planned community. The open concept design seamlessly integrates the living room and island kitchen, featuring granite countertops and stainless steel appliances, ideal for family gatherings and entertaining guests. The expansive primary suite provides abundant natural light, a spa like en suite with double vanity, large walk in shower, and a spacious walk in closet. Each of the additional well appointed bedrooms offers comfort and convenience, complemented by two more full baths. Outdoor living shines with a screened in covered patio overlooking a backyard rich with lush trees and foliage, perfect for morning coffee or evening relaxation. A generous shed offers versatile extra storage. Situated in Crossvine, this home grants access to superb community amenities including a resort style clubhouse and pool, meandering ponds, and walking and jogging trails woven throughout the landscaped greenbelts. Located within the respected Schertz Cibolo Universal City ISD, this property combines quality schooling with a vibrant active neighborhood lifestyle. Ideal for families, professionals, and anyone seeking a blend of modern comforts, serene outdoor space, and access to community focused amenities. Discover the best of Schertz living at 12017 Vignette. Schedule your private tour today!
Source: SABOR #1882952
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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.