17685 Wisdom Rd Lytle, TX 78052
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About this home
Experience relaxed country living at 17685 Wisdom Road in Lytle, a versatile property on 0.61 acres offering both a main residence and a separate barndominium. The main house features 3 bedrooms, 1 bath, a spacious living area with high ceilings, stained-concrete and carpet flooring, and a wood-burning fireplace for cozy evenings. The kitchen includes ample cabinetry and an adjacent dining space, while the home's open layout and large windows fill the interior with natural light. The property also includes a 1-bedroom, 1-bath barndominium with a full kitchen, ideal for multi-generational living, guests, or rental income. Outdoors, mature trees surround the fenced yard, and a covered porch provides a peaceful spot to enjoy Hill Country views. There's ample parking and a storage building, with plenty of room for hobbies, livestock, or recreational use. Located just outside city limits-no city taxes and no HOA-this property offers the quiet of country life with quick access to downtown Lytle, IH-35, and major employers in Atascosa and Bexar County. Perfect as a full-time residence, rental investment, or weekend retreat, this property delivers charm, flexibility, and space to grow.
Source: SABOR #1917039
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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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