313 Ridge Crest Dr Seguin, TX 78155
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About this home
**VA Assumable loan at 2.75** Beautiful home featuring 4 bedrooms plus an office, 2.5 bathrooms, and 2,807 square feet of living space, this single-level home includes a spacious living room with a fireplace, two dining areas, and a sunroom. This well-maintained brick home offers tons of space inside and out, sitting on a 0.61-acre lot with access to Lake McQueeney. The home includes crown molding, raised box ceilings, built-in shelving, ceiling fans, and a split bedroom layout with walk-in closets in every room. The kitchen and living areas are bright and functional, and all appliances will stay with the home except the washer and dryer. Energy-efficient features include paid-off solar panels, solar screens, and an all-electric setup. Outdoors, enjoy the in-ground saltwater pool with a new heavy-duty safety cover and surrounding concrete deck. The backyard features a chain-link fence, a shed, and offers ample space for outdoor living and entertaining. Additional updates include a new roof (2025), new deck (2023), new vents and ductwork (2023), new flooring (2018), and freshly painted interior and exterior (2022 and 2025). The attached 3-car garage is complemented by a detached shop with installed cabinets, extra outlets, and attic access. Three new LiftMaster garage door openers are installed across all garages. The property is beautifully landscaped with professionally trimmed oak trees, gutters with leaf guards, a water softener, a concrete wall along the back driveway, and a septic system pumped in 2025. Sellers are very safety-conscious, and this property offers comfort, efficiency, and exceptional outdoor living in a desirable location with neighborhood lake access.
Source: SABOR #1885357
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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.