12622 Big Valley Crk, San Antonio, TX 78254
4 beds · 3 baths · 2,584 sqft
Discover this modern two-story gem, perfectly nestled on a highly sought-after greenbelt lot in Stillwater Ranch! This home blends contemporary luxury with everyday comfort, offering 4 bedrooms and 2.5 baths. Step inside to find a bright, versatile study-ideal for a home office or creative space. The heart of the home is an open-concept living area, where a gourmet kitchen awaits. It features 42-inch cabinetry, stainless steel appliances, a 36" gas cooktop and hood, quartz countertops, an apron-front sink, under-cabinet lighting, and a Samsung Bespoke 4-Door Smart French Door Refrigerator. The kitchen flows effortlessly into the dining and family rooms, accentuated by vaulted ceilings and surround sound-perfect for entertaining or relaxing. The first-floor primary suite is a serene retreat, offering 11-foot ceilings, a bay window with greenbelt views, and a spa-like en-suite with an XL walk-in shower, soaking tub, dual vanities, and a spacious walk-in closet. A fresh powder bath and a laundry room equipped with a Samsung Smart Flex dual washer/dryer, along with extra space for your deep freezer. Upstairs, a large game room overlooks the family room below, giving the space a grand feel with its open iron railing. Three additional bedrooms, each with walk-in closets, and a shared bathroom provide ample space and privacy. Outside, enjoy ultimate privacy with no rear neighbors and a fully equipped sprinkler system. The epoxy-finished garage includes a 220-volt outlet, perfect for EV charging. This move-in-ready home also offers a level driveway, generous parking, and access to top-tier neighborhood amenities-including two pools, a gym, tennis and basketball courts, pickleball, covered playgrounds, a 3-mile walking trail, and a scenic pond. The seller will offer assistance with closing costs with an acceptable offer. Schedule your tour now!
Source: SABOR #1809416
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1809416
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: #1809416
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.