14455 Camperdown, San Antonio, TX 78245
4 beds · 4 baths · 2,763 sqft sqft
Welcome to this gorgeous 2-story home in the gated community of Ladera - North Ridge, situated on a peaceful cul-de-sac lot that backs onto a serene greenbelt. This home offers a perfect blend of modern design and natural beauty. As you step inside, you'll be greeted by high ceilings and an open floor plan that creates a sense of spaciousness throughout. The abundance of natural light pouring in from large windows enhances the warm and welcoming atmosphere. The living room offers backyard views, making it a perfect spot to unwind and enjoy the surrounding greenery. The open island kitchen features a breakfast bar, stainless steel appliances, and a cozy breakfast nook framed by a wall of windows that invite the outside in. Patio access from the kitchen makes outdoor dining and entertaining a breeze. On the first floor, you'll also find a home office, as well as a split primary bedroom. This serene retreat is adorned with bay windows that overlook the backyard, and an en suite bath that includes a large walk-in shower. Additionally, a secondary bedroom on the main level offers flexibility and convenience. The second floor is home to a spacious loft, perfect for a second living area, game room, or playroom. Two additional secondary bedrooms upstairs provide ample space for family or guests. This home is also equipped with energy-efficient solar panels, ensuring both eco-friendly living and cost savings. The outdoor space hosts a sprawling backyard with a covered patio. Enjoy bluff and greenbelt views as you relax or entertain. The community offers an array of amenities, including a secure electonic gate for entry, swimming pool, park, trails, and a party/meeting room. Book your personal tour today!
Source: SABOR #1802411
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1802411
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: #1802411
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.