12021 GARDEN SHOOT, Schertz, TX 78154
** MOVE-IN READY! ** Welcome to this beautiful home in The Crossvine community of Schertz/Cibolo in the San Antonio area. This stunning home built by Award Winning Builder, Scott Felder Homes, offers deluxe living in a picturesque setting and it is ready to move in Now! As you enter, you are greeted by a grand foyer with soaring ceilings and luxurious wood like vinyl plank flooring that leads you into the open concept living area. The spacious family room features a 4 panel French sliding door and is flooded with natural light, making it the perfect space for gathering with family and friends. The adjacent gourmet kitchen is a chef's dream, highlighting high-end stainless-steel appliances, quartz countertops, a large island, and an abundance of storage space. The master suite is a true retreat, boasting a generous bedroom with plush carpeting, a spa-like bathroom with a standalone soaking tub, a separate walk-in shower, and dual vanities. The other three bedrooms are well-appointed and offer ample space for rest and relaxation. An additional bathroom serves these bedrooms, featuring modern fixtures and finishes. Step outside and you will discover a fantastic outdoor living space. The covered patio is perfect for enjoying morning coffee or hosting summer barbecues. The spacious backyard offers plenty of room for outdoor activities, and its unique greenbelt provides an added sense of tranquility. Includes irrigation system, fully fenced yard and a reputable builder warranty. The Crossvine community is known for its exceptional resort style amenities, including a community center, pool, playground, and walking trails to name a few. Its location provides easy access to Randolph Air Force Military Base, major highways, shopping, dining, entertainment options, and a prestigious school district. Don't miss the opportunity, ask about our low rates, available for a limited time only. Schedule your private showing today and make this dream home yours!
You may be able to put down less than the total down payment amount of $275,982 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #1607388