1 of 20

12706 Ozona Rnch

San Antonio, TX 78245

4 beds · 3 baths · -- sqft

$464,000

$1,504/mo with 2.75% Express Financing

$1,916/mo with 7% bank financing

Get prequalified

About this home

This home offers $5,000 in SELLER CONCESSIONS, which can be applied toward closing cost assistance or a rate buy-down-your choice! Even better, it qualifies for an assumable VA mortgage with an incredible interest rate of 2.625. When you step into this beautiful 4-bedroom, 3-bathroom spacious 2,874 sq ft home, you will be greeted by an extremely open floor plan seamlessly connecting the living, dining, and kitchen areas. The kitchen boasts granite countertops, stainless steel appliances, and plenty of cabinet space. The living room has a built-in surround sound system. The primary bedroom is a luxurious sanctuary with a spacious layout and spa-like en-suite bathroom. An additional well-appointed bedroom is serviced by a separate full bathroom. Ceramic tile floors, high ceilings, and ample natural light fill the home through large windows. The exterior boasts a spacious covered patio with gas plumbing for a BBQ grill or fireplace, perfect for outdoor entertaining. Nestled in the Weston Oaks neighborhood, enjoy access to top-rated schools, scenic trails, playgrounds, pools, and a variety of shopping and dining options. Conveniently close to Sea World and JBSA Lackland. This move-in-ready smart home is ideal for creating your next chapter of beautiful memories.

Source: SABOR #1785653

-- sqft
0.165 acres
Single Family
Built in 2020

Neighborhood
Use two fingers to move the map

FAQs

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.

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.

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.

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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

View all FAQs
Last updated: Apr 14, 2025 07:59 pm
Listing provided courtesy of: Fathom Realty (888) 455-6040
Details provided by SABOR and may not match the public record.
MLS ID: #1785653
The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the San Antonio Board of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than Everystate, are indicated by detailed information about them such as the name of the listing firms. Information deemed reliable but not guaranteed. Copyright © 2025 San Antonio Board of REALTORS®. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.

San Antonio, TX 78245

4 beds · 3 baths · -- sqft

$464,000

$1,504/mo with 2.75% Express Financing

$1,916/mo with 7% bank financing

Get prequalified