11224 Cave Crk, Helotes, TX 78023
4 beds · 4 baths · 3,069 sqft
**VA Assumable 3.25% Interest Rate!** If unobstructed panoramic views of the Texas Hill Country are your style, this custom-built Ted Trautner masterpiece is exactly what you've been waiting for. Perched atop a private hilltop cul-de-sac, this home combines timeless elegance with modern functionality, offering not only incredible vistas but also a lifestyle of unmatched sophistication. As you step into the grand foyer, you're greeted by soaring 20+ foot ceilings, a stunning chandelier, and a magnificent curved staircase bathed in cascading light from the upstairs balcony. Every detail, from the moment you enter, sets the tone for a home designed to impress. This property features two dining spaces-perfect for hosting intimate dinners in the formal dining room or enjoying casual meals in the informal area. The kitchen is a chef's dream, featuring a butler's pantry and wine bar that leads to a beautifully appointed space with a gas-burning cooktop, stacked microwave and oven, and a large bar that seamlessly connects to the living room. The living room, with its grand ceilings and expansive windows, flows effortlessly into the outdoor spaces, ensuring that every corner of the home takes full advantage of its breathtaking surroundings. The gas fireplace is the highlight of the living room space. Just off the living room, a breezeway leads you to the primary bedroom suite, a true retreat with bay windows inviting natural light and serene backyard views. The en-suite bathroom offers dual vanities, separate walk-in closets, a spacious shower, and a jet spa tub perfect for unwinding after a long day. Heading upstairs, the curved staircase guides you with its elegant cascade of light to a spacious loft that opens onto a private deck with sweeping views of the Hill Country. Whether it's a sunrise coffee or a sunset toast, this space is designed for moments that take your breath away. The additional bedrooms are equally inviting, offering ample space and privacy, with two of the three featuring en-suite bathrooms. This home is as functional as it is luxurious, boasting features like a centralized vacuum system for effortless maintenance and thoughtful details throughout. But it doesn't stop there-this property is being sold with the option to purchase the adjacent lot next door at 11228 Cave Creek (MLS 1829503), offering endless possibilities. Dreaming of a summer oasis? Build the ultimate pool house and take entertaining to the next level. Need a detached in-law suite or private guest house? There's plenty of room to bring your vision to life. This is more than a home-it's an opportunity to live the lifestyle you've always dreamed of. And with a VA Assumable Loan at an incredible 3.25% interest rate, this is a rare chance to combine luxury living with unbeatable financing. Don't miss this Texas Hill Country treasure. You simply MUSt see what makes this home truly extraordinary!
Source: SABOR #1829180
Financials
Source: SABOR #1829180
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.