113 Westfield Vw, La Vernia, TX 78121
4 beds · 3 baths · 2,459 sqft
Welcome to 113 Westfield View, where modern upgrades meet spacious living on a beautifully maintained 1.13 acres. This 4-bedroom, 2.5-bath home is designed for comfort, entertaining, and functionality. With 12' tray ceilings, 8' doorways, and 20" tile throughout the main spaces, the home offers an open and airy feel. The remodeled kitchen is a true showstopper, featuring a wrap around peninsula and double island, quartz countertops, a gas stove/oven combo, a stylish backsplash, a vent hood, and an oversized sink, all designed for effortless cooking and hosting. Custom soft-close cabinetry and a bar seating area make it a perfect gathering space. The upgraded oven with an air fry feature and a high-end dishwasher add convenience to everyday life. Overlooking the living and dining areas, this space is ideal for entertaining, complete with pre-wired ceiling speakers for an immersive experience. The primary suite is a private retreat with a recently updated walk-in tile shower, separate soaking tub, dual vanities, and a built-in bathroom heater for ultimate comfort. The massive walk-in closet connects seamlessly to the laundry room, adding a touch of luxury and convenience. Step outside to your backyard, where a vast covered patio with a white rock fireplace sets the stage for cozy Texas evenings. The space is pre-wired for surround sound and includes a TV mount, making it an entertainer's dream. The back yard is complete with a sprinkler system that covers most of the area and offers plenty of space for future custom pool plans. But that's not all, this home includes a 10x30 covered patio leading to a 24x30 HE/SHE Cave, complete with a 12' roll-up door in the front, an 8' roll-up door in the back, AC/heating, keyless entry, and pre-wiring for internet and surround sound. Whether you're looking for a workshop, home office, or creative space, this setup is unbeatable. Parking and storage are a breeze with the attached 2-car garage, an additional 24x25 carport, and a 12' RV/Boat gate with a gravel driveway. With so many thoughtful upgrades and an unbeatable layout, this is a must-see. Schedule a tour today!
Source: SABOR #1839812
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
Source: SABOR #1839812
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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 “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.
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 620, 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.