21039 La Pena Dr, San Antonio, TX 78258
4 beds · 4 baths · 3,650 sqft
Welcome to this stunning 4-bedroom, 3.5-bath home in the highly sought-after Las Lomas subdivision of Stone Oak. Offering a huge master bedroom downstairs, large secondary bedrooms upstairs, an open floor plan, and high ceilings, this home is designed for both comfort and elegance. A private retreat with ample space, perfect for relaxation. Designed for seamless living and entertaining, with high ceilings that create a bright and airy feel. Featuring solid countertops with island, breakfast bar, custom cabinets, all appliances, and a large pantry for extra storage. A warm and inviting space to gather with family and friends. Ideal for hosting dinner parties or enjoying meals with loved ones. A quiet and private space for working from home or studying. A perfect spot for entertainment, movie nights, or family fun. Hot tub & basketball court for relaxation and recreation. Nice-sized backyard and expansive deck with room to create your dream outdoor oasis. Prime Location & Community Perks offering exclusive resident benefits. Top-rated schools nearby, making it a great choice for families. Minutes from Highway 281 & Loop 1604, providing easy commuting options. Close to shopping, dining, and entertainment - enjoy a variety of restaurants and retail stores just around the corner. a beautifully maintained property in a desirable neighborhood. This home is move-in ready and offers everything you need for comfortable, stylish, and convenient living. Whether you're looking for space, entertainment options, or a prime location, this property delivers it all. Schedule your private showing today and experience the best of Stone Oak living!
Source: SABOR #1845088
Send questions to support@withroam.com
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 #1845088
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.