12622 BIG VALLEY CRK, San Antonio, TX 78254
** Open House on Sunday, September 22nd, from 11:00 AM to 2:00 PM!** 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!
You may be able to put down less than the total down payment amount of $62,024 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: #1809416