12019 Bailey Hls San Antonio, TX 78253
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About this home
This move-in ready, meticulously maintained 3,033 SqFt single story Highland Homes design in Fronterra at Westpointe demonstrates the owner's commitment to both aesthetics and functionality. The freshly painted interior, including ceilings, creates a pristine canvas, while new light fixtures throughout add contemporary polish. The residence's open layout creates natural flow between the island kitchen, where a gas cooktop and stainless steel appliances await the home chef, and a welcoming family room anchored by a corner fireplace. Recent upgrades extend the ceramic tile from main living areas into the office and bedrooms, creating seamless visual continuity. The media room and primary bedroom closets feature new premium-grade carpet, adding comfort underfoot in these spaces. The primary suite stands out with its generous proportions and sophisticated bathroom featuring dual vanities connected by a seated makeup counter. 3M window tinting on the primary bath and rear-facing windows provides enhanced privacy and energy efficiency. A dedicated home office comes equipped with custom built-ins, perfect for today's flexible work arrangements. A new glass door system opens to the expansive covered patio, creating an effortless transition to outdoor living. As evening falls, custom LED soffit lighting illuminates the exterior, highlighting architectural details. The front landscape features distinctive masonry planters that add structural interest and low-maintenance curb appeal, complemented by newly installed privacy landscaping in the backyard. With four bedrooms and three and a half baths, this residence offers plenty of room for family life and guests, while its location within the respected Northside ISD ensures educational excellence is just minutes away. The home is within walking distance to the community pool, clubhouse, covered playground as well as Harmony School of Science and Brennan High School. Location highlights include just minutes to Lackland AFB and Seaworld/Aquatica Water Park, close proximity to shopping and entertainment, with easy access to 1604 and 151. The three car tandem garage provides ample space for vehicles and storage. This thoughtfully designed and thoroughly updated home creates an environment that adapts seamlessly to both quiet evenings at home and lively weekend entertaining. Seller concessions are available as well as a 4.75 interest rate VA assumable loan. Preferred lender is offering a 1% lender concession for the buyer to use towards closing costs and/or interest rate buydown.
Source: SABOR #1841692
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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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