107 Cinnamon Crk, Boerne, TX 78006
3 beds · 4 baths · sqft
Nestled in the gated community of Ranches at Creekside, this immaculate Sitterle garden home, built in 2022, boasts 2,930 square feet of refined living space. Featuring 3 bedrooms, 3.5 bathrooms, a study, and a flex room, this home is designed for flexibility. This lock-and-leave community offers a low-maintenance lifestyle, perfect for retirees, frequent travelers, and busy professionals who prefer a low-hassle lifestyle. Upon entering, you're welcomed by an extended entryway adorned with a neutral color palette and wood-look tile that enhance the home's elegance. The open concept living space is highlighted by high cathedral ceilings and a kitchen equipped with a large island, gas cooking, double ovens, and a spacious walk-in pantry. Adjacent to the kitchen is a breakfast area, and the living area features an electric fireplace and large windows that flood the space with natural light. The spacious primary suite is complete with vaulted ceilings and an en suite that includes a skylight, a large garden tub, double vanities, a walk-in shower, and an expansive walk-in closet with built-in shelves. Each of the two additional bedrooms is well-appointed with its own ensuite bathroom. The laundry room features built-in cabinets and a sink for convenience. Step outside to a covered porch and extended patio, set within a beautifully landscaped yard, perfect for entertaining. The home also includes a 3-car tandem garage with epoxy-coated flooring, a built-in workbench, and cabinets for additional storage. Residents enjoy community amenities such as a pool, park, and playground, all within the highly acclaimed Boerne ISD. Located just minutes from downtown Boerne and free from MUD tax, this home offers both luxury and practicality in the picturesque Texas Hill Country. The buyer can opt out of the landscaping maintenance package, if they choose to do so, the HOA fees will be $210/quarter.
Source: SABOR #1799715
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1799715
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #1799715
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