16227 Bonalva, Helotes, TX 78023
3 beds · 3 baths · 2,426 sqft
Get a free consultation call with an expert in the mortgage assumption process.
OPEN HOUSE: SAT, APR 19TH 1-5PM. Gorgeous 1 1/2 Story, 4 Bedroom, 2 1/2 Bath, Plus Spacious Office and Outdoor Screened-in Sunroom. 3.5% VA Assumable Loan!! This beautiful home is located in the highly desired gated community of Triana! The homeowners spared no expense in adding Solar Panels, New AC, Extended Outdoor Screened-in Sun Room, Sprinkler System, Exterior LED Permanent Lighting and Outdoor Deck. Step into this open concept floor plan and appreciate the spacious layout with lovely ceramic tile flooring; a stone, gas, wood-burning fireplace; a massive living room; huge kitchen and breakfast nook. The gourmet kitchen has granite countertops, a large pantry, recessed lighting, 42" cabinets with tons of storage, a separate laundry room and a convenient breakfast bar. The primary suite is luxurious with large windows, solar screens, two closets and a recently updated, gorgeous en suite. Enjoy the extended primary shower with custom lighting, stunning porcelain ceramic tile, and shower accessories. The bedrooms are spacious and include a large office, and a huge loft with a 1/2 bath and large closet, perfect for a 4th bedroom! Enjoy the outdoor amenities of this beautiful home from your very own screened in Sunroom. This home offers so many lovely entertaining areas and modern features for relaxation! The streets are also in the process of being repaved and the neighborhood will have a fresh look. Neighborhood amenities include: Controlled Access, Pool, Park & Playground, Grill and Pavilion. This home has over $100K in upgrades and will go quickly as it is close proximity to Old Town Helotes, La Cantera, Lackland AFB and Fiesta Texas. Schedule a showing today or stop by the Open House this weekend!
Source: SABOR #1829020
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 #1829020
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 of Equal Opportunity Act.