2034 WIND CHIME WAY, New Braunfels, TX 78130
Assumable VA loan at 2.75%! This exquisite, move-in ready home offers a harmonious blend of comfort and style, with motivated sellers eager to make a deal. Step inside to discover the first floor adorned with timeless tile and wood vinyl planking, providing an elegant and easy-to-maintain living space. The lower floor boasts 9ft ceilings, amplifying the open and airy ambiance. The heart of this residence is the well-designed kitchen, featuring granite countertops and extended 42" cabinets, providing both functionality and aesthetic appeal. Modern conveniences abound with a water softener, all-electric appliances and an array of upgraded features that enhance the overall living experience. A flexible office or extra bedroom, located downstairs alongside a half bath, adds versatility to the floor plan. Upstairs unfolds a haven with four bedrooms, two full baths and a generous game room area, all adorned with upgraded carpet padding for added comfort. The master suite invites you with its expansive walk-in closet, huge garden tub, double raised vanity, and a raised toilet, crafting a serene spa-like sanctuary. Modern living extends to every corner with ceiling fans in all the rooms and dimmable lights in the master and living room. Blinds cover each window throughout the home, to ensure comfort and privacy. Security is paramount with outdoor Ring cameras, including a backyard spotlight, doorbell and two front cameras providing peace of mind. Enjoy the Texas weather on the extended back patio or in the sizable fenced backyard, perfect for outdoor activities and entertainment. The property is strategically positioned towards the back of the neighborhood, ensuring a serene and quiet living environment. Residents also have access to a community pool and playground, fostering a sense of community and recreation. Additional features include solar screens, an automatic garage door opener, a fridge, washer and dryer hookups upstairs and TAEXX pest lines.
You may be able to put down less than the total down payment amount of $136,601 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #6043445
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.