12330 Cross Cut Helotes, TX 78023
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About this home
Experience elevated living in this Pristine Helotes Suburban Private Retreat, Custom Genuine Home where every window frames breathtaking views of Government Canyon. Just minutes from Loop 1604, this sanctuary offers the perfect balance of privacy, serenity, and accessibility. This impressive residence in the coveted Shadow Canyon subdivision seamlessly blends modern sophistication with Hill Country Charm. The stylish, natural urban Texas front yard invites you to unwind, while the circular drive provides ample parking for residents and guests alike. Inside, discover thoughtfully curated upgrades and elegant finishes throughout. The chef's kitchen is a true showpiece-featuring elegant quartz counters, premium appliances, dual dishwashers, a 6-burner gas stove with grill, abundant cabinetry, and a spacious walk-in huge with barn doors elaborate full shelved pantry ready to showcase your organizational flair. The open, light-filled layout flows effortlessly between living areas a demonstritive stone fireplace with sentimental uniquely chosen mantle. Perfect for both entertaining and relaxed daily living. The private yard oasis offers a peaceful escape, ideal for quiet mornings or lively gatherings beneath the Texas sky. The primary suite is a tranquil retreat, complemented by a beautifully designed bath with walk in showers and soaking tub. Separate bidet area and large extended closet. A separate guest suite bedroom and bath with outside access provides privacy for family and friends, while the study features custom built-ins and even a hidden (not now) opening to a closet. Upstairs, two additional living area rooms offer versatile space for a fourth bedroom, exercise studio, media room, or podcast. It's a paradise upstairs too, complete with a balcony showcasing stunning canyon views along with another bedroom and bath. Owners have detailed pool drawings ready to happen. Conveniently located near top-rated Northside ISD schools, shopping, and dining, this home delivers an exceptional blend of style, comfort, and location-a must-see for anyone seeking Hill Country luxury just minutes from the city or go the other direction toward Bandera or Boerne. It's quiet and beautiful and peaceful!!
Source: SABOR #1914167
Neighborhood
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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.