134 Thunder Rd, Kerrville, TX 78028
5 beds · 5 baths · 3,407 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Hill Country Luxury Estate - 5 Bedrooms, 5 Bathrooms, Over an Acre with Stunning Views. Nestled on over an acre with breathtaking valley views, this 3,407 sq. ft., 5-bedroom, 5-bathroom estate blends refined craftsmanship, thoughtful design, and modern upgrades in the heart of the Texas Hill Country. Enjoy Elegant Interiors & Thoughtful Design- Inside, limestone accents and walls create a rustic yet refined aesthetic, while a wood staircase with limestone accents adds architectural charm. The living room centers around a stunning limestone fireplace with a substantial wood mantel, making it a warm and inviting space. *The kitchen features granite countertops, two pantry closets, a Bosch dishwasher, and bar seating for casual dining. Upstairs, a loft provides additional entertaining space, perfect for a media area, game room, or second living space.*The master suite is a private retreat with vaulted ceilings, a limestone accent wall, and private backyard access. The ensuite bath features a large walk-in limestone shower with spa-like finishes. The upstairs bedrooms also boast vaulted ceilings, built-in desks (or dressing tables), and a Jack & Jill bathroom with double sinks and toilets.*Throughout the home, wooden shutters add timeless elegance, while the laundry room and multiple storage areas ensure ample organization. ClosetMaid systems are installed in every bedroom, pantry, and storage area. **Modern Upgrades & Smart Features Recently Upgraded Whole-Home Mesh Internet System Wall-Mounted TVs Included Ring Camera & Doorbell Exterior & Trim Freshly Painted Upgraded Downstairs A/C Unit Upgraded Water Heater with Booster Outdoor Living & Expansive Garage Spaces The large covered front porch is ideal for morning coffee, while the power-washed circle driveway and walkways enhance curb appeal. The attached garage, currently used as a state-of-the-art home gym, features LED hexagon lighting. A detached garage with a breezeway provides additional storage with stair access. A True Hill Country Retreat Perched on the side of a hill, this home offers stunning valley views and a peaceful escape from city life. Whether enjoying quiet mornings on the porch, entertaining family and friends, or soaking in the beauty of the Hill Country, this home is the perfect balance of luxury, comfort, and tranquility. Schedule your private showing today!
Source: SABOR #1845640
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: SABOR #1845640
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.