12021 Garden Shoot, Schertz, TX 78154
4 beds · 3 baths · 2,643 sqft
** 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!
Source: SABOR #1607388
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1607388
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: #1607388
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.