8610 Lajitas Bnd San Antonio, TX 78254
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About this home
Ask about our possible 2.75 VA assumable loan available for qualified buyers!! This charming one-story home in Stillwater Ranch has been lovingly maintained and thoughtfully updated. Just off the entryway to the left is a dedicated office space filled with natural light, which is perfect for working from home. Continue down the hall and you'll find yourself in the heart of the home. The kitchen is the first stop, featuring gas cooking, reverse osmosis water filtration, and a refrigerator that will convey. From there, the space opens into a dining area and a spacious living room, where a wall of windows brings in an abundance of natural light. Wood-look tile runs throughout the main living areas, tying everything together with style and durability. The primary suite is tucked away in the back of the home and offers a peaceful place to unwind, with new carpet, canned lighting, and updated mirrors in the en-suite bathroom. The bathroom includes a garden tub, walk-in shower, and a generous closet. Both secondary bedrooms include walk-in closets, and all throughout the home you'll find thoughtful upgrades like updated fans and canned lighting, and a partially finished attic for added storage or future use. This home is loaded with smart features, including a smart thermostat, app-controlled sprinkler system, and MyQ garage access. The laundry room offers extra storage, and the washer and dryer convey with the home. Step outside to enjoy a large, covered patio and a serene backyard complete with a firepit and chairs that will stay. A storage shed and gutters, added about two years ago, offer even more convenience. Located in the sought-after Stillwater Ranch community with easy access to Alamo Ranch, 1604, and plenty of shopping and dining, this home has been lovingly cared for and is ready for its next chapter.
Source: SABOR #1874644
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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.