15412 Dell Ln Selma, TX 78154
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About this home
LIVE OAK HILLS | NO HOA (rare for the area) | SCUCISD Welcome to this single-story charmer in sought-after Live Oak Hills, where timeless brick-and-stone curb appeal meets a modern, easy-living layout-without the HOA rules or fees. An arched entry and wide foyer set the tone, flowing past a flexible front study with double doors and a separate dining room with a tray ceiling. The heart of the home is an open great room and entertainer's kitchen featuring an expansive granite island/breakfast bar, stainless steel appliances, rich cabinetry, pendant lighting, tile backsplash with accents, under-cabinet lighting, and a handy pantry-perfect for meal prep and game-day spreads. Tucked quietly at the back, the private owner's suite enjoys a tray ceiling and backyard views. The spa-style bath offers a soaking tub, separate glass shower, dual vanities, and a generous closet. Secondary bedrooms are comfortably sized and share a well-appointed bath. Throughout, you'll appreciate elegant archways, neutral tones, durable wood-look flooring, and a dedicated laundry room. The oversized two-car garage with a carriage-style door adds storage and style. Love to host? Step outside to an extended covered patio with a ceiling fan plus a paver terrace-ideal for grilling, dining, or unwinding. The level, privacy-fenced yard has ample room for pets, a garden, or future play space. Location perks abound: quick access to I-35 and Loop 1604, minutes to Randolph AFB, Live Oak Main City Park's trails and lake, and The Forum/IKEA for shopping and dining. Zoned to highly regarded Schertz-Cibolo-Universal City ISD (SCUCISD). Move-in ready comfort, thoughtful design, and an unbeatable combination-Live Oak Hills living with the freedom of NO HOA.
Source: SABOR #1915943
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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.