342 Candelaria Helotes, TX 78023
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About this home
Do not miss the opportunity to obtain a 4.625 rate! Experience luxury and comfort in this beautiful home nestled in the heart of the Texas Hill Country, located in the exclusive Reserve at Sonoma Ranch. Every detail has been thoughtfully curated, showcasing exceptional craftsmanship, upscale finishes, and a design that perfectly balances elegance and functionality. At the heart of the home lies a true chef's dream kitchen, featuring a gas stove and a fully equipped "dirty kitchen" to accommodate seamless entertaining on any scale. The owner's retreat is a peaceful sanctuary, highlighted by floor-to-ceiling windows, dual vanities, and spacious his-and-her closets. Two of the secondary bedrooms include built-in hideaways, offering magical nooks for play or quiet time-perfect for young imaginations. For added ease, enjoy the convenience of laundry rooms on both levels. Step outside to your own private backyard oasis, play pickleball, where thoughtfully designed landscaping provides both beauty and privacy, creating the ideal setting for gatherings, relaxation, or quiet evenings under the stars. Enjoy the covered patio with an outdoor kitchen with a stainless steel grill and warmer. This is more than a home-it's a lifestyle of comfort, sophistication, and inspired Hill Country living.
Source: SABOR #1875727
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.