7008 Derek Ct Schertz, TX 78154
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About this home
Tucked in a quiet cul-de-sac near JBSA Randolph and Ft. Sam Houston, this beautifully maintained 5-bedroom, 4.5-bath home on a .52-acre lot offers privacy, thoughtful design, and functional luxury throughout. A grand double-door entry and sweeping staircase create a dramatic welcome into the open living area featuring a wood-burning fireplace, formal and casual dining, and a spacious kitchen with stainless-steel double ovens, gas line, reverse osmosis water system, true walk-in pantry, and an extended breakfast nook added during construction for extra dining space. The home features 8-ft doors, 10-ft ceilings, arched interior walls with rounded corners, 3" baseboards, and vinyl windows that tilt in for easy cleaning, adding to its refined craftsmanship. Two bedrooms are located downstairs-each with bay windows-including the primary suite with a tray ceiling, walk-in shower, garden tub, and oversized closet, plus a secondary guest suite with a seamless walk-in shower. All downstairs living areas were intentionally designed for easy accessibility and comfort. Upstairs includes large secondary bedrooms-two connected by a Jack-and-Jill bath and another with an ensuite-plus a spacious game room and a dedicated theater room perfect for movie nights. Outside, enjoy a fully fenced backyard with a patio pre-plumbed for an outdoor kitchen, sprinkler system front and back, under-soffit plugs for holiday lighting, and a storage shed. A 4-car garage-including one with drive-through roll-up doors-and extended driveways provide exceptional parking and storage options. Additional highlights include a 2024 roof replacement, two Carrier HVAC systems, radiant-barrier attic, mudroom/drop zone, and a utility room plumbed for a sink. Located in a highly desirable, low-turnover neighborhood where pride of ownership shines-this home stands out for its condition, design, and versatility.
Source: SABOR #1921199
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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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