13910 Cool Dawn San Antonio, TX 78254
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About this home
RARE VA ASSUMABLE LOAN at 2.625%! Don't miss this incredible opportunity to own a home in The Orchards of Valley Ranch, a quiet and secluded gated community. This stunning Persimmon floor plan offers 2 spacious bedrooms, 2.5 bathrooms, and a dedicated office - all wrapped into a thoughtfully designed, open-concept layout that's 100% handicap accessible. Enjoy soaring 9-foot ceilings and NO carpet throughout, ideal for a clean, allergy-free environment. Natural light pours in through large windows, enhanced by plantation shutters, window tinting, and ceiling fans in every room. The updated laundry room features custom cabinetry for added storage, while the gas kitchen comes fully equipped with stainless steel appliances and opens up to the cozy family room with a built in electric fire place - perfect for entertaining. The oversized primary suite includes an extra-large bathroom and walk-in closet. Additional interior features include a water softener system and smart home technology that allows you to control lights, thermostat, and locks remotely from your phone. Step outside to your private oasis with beautifully landscaped grounds including gutters, brick-lined flower beds, drought-tolerant plants, and river rocks. The level backyard boasts a screened-in porch with polyurea flooring, extra-large sliding screens, and a massive 20x20 concrete patio with a 10x14 cedar gazebo featuring a metal roof - perfect for relaxing or hosting guests year-round. A Wi-Fi sprinkler system and rod iron fencing with gates complete the low-maintenance outdoor setup. This home truly has it all - low-maintenance luxury, top-tier upgrades, and a rare low-rate VA assumable loan. Schedule your private tour today!
Source: SABOR #1914261
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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.