13415 Stairock St, San Antonio, TX 78248
4 beds · 2 baths · 2,113 sqft
*SELLER IS OFFERING BUYER CONCESSIONS WITH A COMPETITIVE OFFER* Your next chapter awaits you in this tastefully updated retreat that perfectly blends modern style with warm, inviting charm. This 4-bed, 2-bath, 1 story home nestled on a greenbelt lot on a cul de sac street has been fully reimagined. Step inside and be greeted by an abundance of natural light pouring through large windows, illuminating the open-concept living space designed for both private relaxation and stylish gatherings. The heart of this home is undoubtedly the fully updated kitchen, complete with sleek quartz countertops, brand-new cabinets, appliances, and flooring. Like the kitchen, the bathrooms have been completely replaced, showcasing modern finishes and fixtures that transform your daily routine into a spa-like experience. The floor to ceiling brick and stone fireplaces are the centerpieces of both the living & master suite areas, and are the perfect spot to gather with loved ones on cooler evenings, or curl up for movie night in. The chic fixtures and hardware throughout the home elevate each space, creating an inviting atmosphere that your family and friends will love. The beauty of this home extends beyond the interiors: step outside to discover a large yard begging for summer barbecues and outdoor fun. The expansive deck is perfect for dining in the fresh air or lounging in the sun, while the covered patio provides a shady escape - ideal for enjoying those warm evenings with a good book or a glass of wine. Located in the desirable Churchill Forest neighborhood, you'll enjoy convenient access to nearby parks, schools, shopping, and dining. Your new home is just a showing away!
Source: SABOR #1847849
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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
Source: SABOR #1847849
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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 of Equal Opportunity Act.