213 Oak Creek Dr, Cibolo, TX 78108
3 beds · 2 baths · 2,312 sqft
Welcome to this stunning home in the highly sought-after Deer Creek community! This beautifully maintained residence offers a perfect blend of modern convenience and timeless elegance. With a spacious layout, high ceilings, and an abundance of natural light, every corner of this home feels inviting and warm. No carpet and an ultra violet light on the AC unit, to help with those seasonal allergies. Plantation shutters throughout! The gourmet kitchen is a chef's dream, featuring sleek countertops, stainless steel appliances, custom oak cabinetry, and a large island, perfect for gatherings. Elegant living spaces, including a cozy fireplace and an open-concept design, create a welcoming atmosphere for both relaxation and entertaining. The luxurious primary suite provides a serene retreat with a spa-like en-suite bathroom and a generous walk-in closet. Step outside to a beautifully landscaped yard, an ideal space for outdoor enjoyment. Several oaks on this property, that backs to a greenbelt for added privacy. Nestled in a peaceful neighborhood, this home offers easy access to top-rated schools, shopping, dining, and recreational amenities. This home is also wired for SMART HOME configuration. Don't miss your chance to own this exceptional home!-schedule a tour today and experience its charm firsthand!
Source: SABOR #1855748
All values shown are estimated costs / mo.
Source: Public records
Source: SABOR #1855748
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.